The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,275
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,093
−HK$830/mo
Today · 4.125%
HK$27,923
baseline
▲ 0.50% · 4.625%
HK$29,622
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,846/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,231
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,015
−HK$795/mo
Today · 4.125%
HK$30,810
baseline
▲ 0.50% · 4.625%
HK$32,435
+HK$1,625/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,620/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,531
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,511
−HK$997/mo
Today · 4.125%
HK$33,508
baseline
▲ 0.50% · 4.625%
HK$35,547
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,016/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,077
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,018
−HK$955/mo
Today · 4.125%
HK$36,973
baseline
▲ 0.50% · 4.625%
HK$38,921
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,946/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,786
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,930
−HK$1,162/mo
Today · 4.125%
HK$39,092
baseline
▲ 0.50% · 4.625%
HK$41,471
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,184/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,924
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,021
−HK$1,114/mo
Today · 4.125%
HK$43,135
baseline
▲ 0.50% · 4.625%
HK$45,408
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,270/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,296
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,767
−HK$1,495/mo
Today · 4.125%
HK$50,262
baseline
▲ 0.50% · 4.625%
HK$53,320
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,524/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,616
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,027
−HK$1,432/mo
Today · 4.125%
HK$55,459
baseline
▲ 0.50% · 4.625%
HK$58,382
+HK$2,923/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,918/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,115 · Scale 2, in force from 26 Feb 2026)