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$26,248
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,065
−HK$829/mo
Today · 4.125%
HK$27,894
baseline
▲ 0.50% · 4.625%
HK$29,592
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,788/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,201
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,984
−HK$795/mo
Today · 4.125%
HK$30,779
baseline
▲ 0.50% · 4.625%
HK$32,401
+HK$1,622/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,558/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,498
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,478
−HK$995/mo
Today · 4.125%
HK$33,473
baseline
▲ 0.50% · 4.625%
HK$35,510
+HK$2,037/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,946/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,041
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,981
−HK$954/mo
Today · 4.125%
HK$36,935
baseline
▲ 0.50% · 4.625%
HK$38,881
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,870/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,748
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,891
−HK$1,161/mo
Today · 4.125%
HK$39,052
baseline
▲ 0.50% · 4.625%
HK$41,428
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,104/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,882
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,978
−HK$1,112/mo
Today · 4.125%
HK$43,090
baseline
▲ 0.50% · 4.625%
HK$45,362
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,180/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,247
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,717
−HK$1,493/mo
Today · 4.125%
HK$50,210
baseline
▲ 0.50% · 4.625%
HK$53,265
+HK$3,055/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,420/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,562
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,972
−HK$1,430/mo
Today · 4.125%
HK$55,402
baseline
▲ 0.50% · 4.625%
HK$58,322
+HK$2,920/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,804/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,670 · Scale 2, in force from 26 Feb 2026)