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$26,271
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,088
−HK$831/mo
Today · 4.125%
HK$27,919
baseline
▲ 0.50% · 4.625%
HK$29,617
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,838/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,226
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,010
−HK$795/mo
Today · 4.125%
HK$30,805
baseline
▲ 0.50% · 4.625%
HK$32,429
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,610/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,525
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,506
−HK$996/mo
Today · 4.125%
HK$33,502
baseline
▲ 0.50% · 4.625%
HK$35,541
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,004/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,072
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,012
−HK$954/mo
Today · 4.125%
HK$36,966
baseline
▲ 0.50% · 4.625%
HK$38,915
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,932/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,780
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,924
−HK$1,162/mo
Today · 4.125%
HK$39,086
baseline
▲ 0.50% · 4.625%
HK$41,464
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,172/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,917
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,014
−HK$1,113/mo
Today · 4.125%
HK$43,127
baseline
▲ 0.50% · 4.625%
HK$45,401
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,254/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,288
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,759
−HK$1,494/mo
Today · 4.125%
HK$50,253
baseline
▲ 0.50% · 4.625%
HK$53,311
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,506/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,607
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,018
−HK$1,432/mo
Today · 4.125%
HK$55,450
baseline
▲ 0.50% · 4.625%
HK$58,372
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,900/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,042 · Scale 2, in force from 26 Feb 2026)