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$26,127
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,939
−HK$826/mo
Today · 4.125%
HK$27,765
baseline
▲ 0.50% · 4.625%
HK$29,455
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,530/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,845
−HK$791/mo
Today · 4.125%
HK$30,636
baseline
▲ 0.50% · 4.625%
HK$32,251
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,272/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,352
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,327
−HK$991/mo
Today · 4.125%
HK$33,318
baseline
▲ 0.50% · 4.625%
HK$35,346
+HK$2,028/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,636/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,879
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,814
−HK$949/mo
Today · 4.125%
HK$36,763
baseline
▲ 0.50% · 4.625%
HK$38,701
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,526/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,577
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,715
−HK$1,156/mo
Today · 4.125%
HK$38,871
baseline
▲ 0.50% · 4.625%
HK$41,236
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,742/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,692
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,783
−HK$1,108/mo
Today · 4.125%
HK$42,891
baseline
▲ 0.50% · 4.625%
HK$45,151
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,782/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,028
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,491
−HK$1,486/mo
Today · 4.125%
HK$49,977
baseline
▲ 0.50% · 4.625%
HK$53,018
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,954/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,318
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,722
−HK$1,423/mo
Today · 4.125%
HK$55,145
baseline
▲ 0.50% · 4.625%
HK$58,052
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,290/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,669 · Scale 2, in force from 26 Feb 2026)