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$26,366
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,186
−HK$834/mo
Today · 4.125%
HK$28,020
baseline
▲ 0.50% · 4.625%
HK$29,725
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,040/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,332
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,119
−HK$798/mo
Today · 4.125%
HK$30,917
baseline
▲ 0.50% · 4.625%
HK$32,547
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,834/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,639
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,624
−HK$1,000/mo
Today · 4.125%
HK$33,624
baseline
▲ 0.50% · 4.625%
HK$35,669
+HK$2,045/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,248/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,199
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,143
−HK$957/mo
Today · 4.125%
HK$37,100
baseline
▲ 0.50% · 4.625%
HK$39,056
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,200/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,913
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,061
−HK$1,166/mo
Today · 4.125%
HK$39,227
baseline
▲ 0.50% · 4.625%
HK$41,614
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,454/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,065
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,166
−HK$1,118/mo
Today · 4.125%
HK$43,284
baseline
▲ 0.50% · 4.625%
HK$45,565
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,568/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,459
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,935
−HK$1,500/mo
Today · 4.125%
HK$50,435
baseline
▲ 0.50% · 4.625%
HK$53,504
+HK$3,069/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,870/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,798
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,214
−HK$1,436/mo
Today · 4.125%
HK$55,650
baseline
▲ 0.50% · 4.625%
HK$58,584
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,300/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,607 · Scale 2, in force from 26 Feb 2026)