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$26,159
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,973
−HK$827/mo
Today · 4.125%
HK$27,800
baseline
▲ 0.50% · 4.625%
HK$29,491
+HK$1,691/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,600/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,102
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,883
−HK$791/mo
Today · 4.125%
HK$30,674
baseline
▲ 0.50% · 4.625%
HK$32,291
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,348/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,391
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,368
−HK$992/mo
Today · 4.125%
HK$33,360
baseline
▲ 0.50% · 4.625%
HK$35,390
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,720/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,922
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,859
−HK$950/mo
Today · 4.125%
HK$36,809
baseline
▲ 0.50% · 4.625%
HK$38,749
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,618/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,623
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,762
−HK$1,158/mo
Today · 4.125%
HK$38,920
baseline
▲ 0.50% · 4.625%
HK$41,288
+HK$2,368/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,840/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,743
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,836
−HK$1,108/mo
Today · 4.125%
HK$42,944
baseline
▲ 0.50% · 4.625%
HK$45,208
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,888/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,087
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,551
−HK$1,489/mo
Today · 4.125%
HK$50,040
baseline
▲ 0.50% · 4.625%
HK$53,084
+HK$3,044/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,080/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,384
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,789
−HK$1,425/mo
Today · 4.125%
HK$55,214
baseline
▲ 0.50% · 4.625%
HK$58,124
+HK$2,910/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,428/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,205 · Scale 2, in force from 26 Feb 2026)