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$26,355
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,175
−HK$833/mo
Today · 4.125%
HK$28,008
baseline
▲ 0.50% · 4.625%
HK$29,712
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,016/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,320
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,106
−HK$798/mo
Today · 4.125%
HK$30,904
baseline
▲ 0.50% · 4.625%
HK$32,533
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,808/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,626
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,610
−HK$999/mo
Today · 4.125%
HK$33,609
baseline
▲ 0.50% · 4.625%
HK$35,654
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,218/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,184
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,127
−HK$958/mo
Today · 4.125%
HK$37,085
baseline
▲ 0.50% · 4.625%
HK$39,039
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,170/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,897
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,045
−HK$1,166/mo
Today · 4.125%
HK$39,211
baseline
▲ 0.50% · 4.625%
HK$41,597
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,422/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,048
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,149
−HK$1,116/mo
Today · 4.125%
HK$43,265
baseline
▲ 0.50% · 4.625%
HK$45,546
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,530/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,439
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,915
−HK$1,499/mo
Today · 4.125%
HK$50,414
baseline
▲ 0.50% · 4.625%
HK$53,482
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,828/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,776
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,191
−HK$1,436/mo
Today · 4.125%
HK$55,627
baseline
▲ 0.50% · 4.625%
HK$58,559
+HK$2,932/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,254/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,424 · Scale 2, in force from 26 Feb 2026)