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$26,184
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,998
−HK$828/mo
Today · 4.125%
HK$27,826
baseline
▲ 0.50% · 4.625%
HK$29,519
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,652/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,129
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,911
−HK$792/mo
Today · 4.125%
HK$30,703
baseline
▲ 0.50% · 4.625%
HK$32,322
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,406/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,421
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,398
−HK$993/mo
Today · 4.125%
HK$33,391
baseline
▲ 0.50% · 4.625%
HK$35,423
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,782/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,955
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,893
−HK$951/mo
Today · 4.125%
HK$36,844
baseline
▲ 0.50% · 4.625%
HK$38,786
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,688/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,658
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,798
−HK$1,158/mo
Today · 4.125%
HK$38,956
baseline
▲ 0.50% · 4.625%
HK$41,327
+HK$2,371/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,912/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,781
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,875
−HK$1,110/mo
Today · 4.125%
HK$42,985
baseline
▲ 0.50% · 4.625%
HK$45,250
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,970/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,131
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,597
−HK$1,490/mo
Today · 4.125%
HK$50,087
baseline
▲ 0.50% · 4.625%
HK$53,134
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,174/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,433
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,839
−HK$1,427/mo
Today · 4.125%
HK$55,266
baseline
▲ 0.50% · 4.625%
HK$58,179
+HK$2,913/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,532/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,610 · Scale 2, in force from 26 Feb 2026)