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$26,123
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,936
−HK$825/mo
Today · 4.125%
HK$27,761
baseline
▲ 0.50% · 4.625%
HK$29,450
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,522/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,062
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,841
−HK$791/mo
Today · 4.125%
HK$30,632
baseline
▲ 0.50% · 4.625%
HK$32,246
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,264/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,348
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,323
−HK$990/mo
Today · 4.125%
HK$33,313
baseline
▲ 0.50% · 4.625%
HK$35,340
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,626/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,874
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,809
−HK$949/mo
Today · 4.125%
HK$36,758
baseline
▲ 0.50% · 4.625%
HK$38,696
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,516/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,572
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,710
−HK$1,156/mo
Today · 4.125%
HK$38,866
baseline
▲ 0.50% · 4.625%
HK$41,231
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,732/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,686
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,777
−HK$1,107/mo
Today · 4.125%
HK$42,884
baseline
▲ 0.50% · 4.625%
HK$45,145
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,768/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,021
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,484
−HK$1,486/mo
Today · 4.125%
HK$49,970
baseline
▲ 0.50% · 4.625%
HK$53,011
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,940/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,311
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,714
−HK$1,423/mo
Today · 4.125%
HK$55,137
baseline
▲ 0.50% · 4.625%
HK$58,043
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,274/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,607 · Scale 2, in force from 26 Feb 2026)