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$26,341
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,160
−HK$833/mo
Today · 4.125%
HK$27,993
baseline
▲ 0.50% · 4.625%
HK$29,696
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,986/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,304
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,090
−HK$797/mo
Today · 4.125%
HK$30,887
baseline
▲ 0.50% · 4.625%
HK$32,515
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,774/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,609
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,592
−HK$999/mo
Today · 4.125%
HK$33,591
baseline
▲ 0.50% · 4.625%
HK$35,635
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,182/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,165
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,108
−HK$956/mo
Today · 4.125%
HK$37,064
baseline
▲ 0.50% · 4.625%
HK$39,018
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,128/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,877
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,024
−HK$1,166/mo
Today · 4.125%
HK$39,190
baseline
▲ 0.50% · 4.625%
HK$41,574
+HK$2,384/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,380/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,025
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,126
−HK$1,116/mo
Today · 4.125%
HK$43,242
baseline
▲ 0.50% · 4.625%
HK$45,521
+HK$2,279/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,484/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,413
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,888
−HK$1,499/mo
Today · 4.125%
HK$50,387
baseline
▲ 0.50% · 4.625%
HK$53,452
+HK$3,065/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,774/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,747
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,161
−HK$1,436/mo
Today · 4.125%
HK$55,597
baseline
▲ 0.50% · 4.625%
HK$58,527
+HK$2,930/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,194/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,187 · Scale 2, in force from 26 Feb 2026)