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$26,343
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,163
−HK$832/mo
Today · 4.125%
HK$27,995
baseline
▲ 0.50% · 4.625%
HK$29,699
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,990/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,307
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,093
−HK$797/mo
Today · 4.125%
HK$30,890
baseline
▲ 0.50% · 4.625%
HK$32,518
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,780/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,612
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,595
−HK$999/mo
Today · 4.125%
HK$33,594
baseline
▲ 0.50% · 4.625%
HK$35,638
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,188/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,168
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,111
−HK$957/mo
Today · 4.125%
HK$37,068
baseline
▲ 0.50% · 4.625%
HK$39,022
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,136/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,881
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,028
−HK$1,165/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,578
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,029
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,130
−HK$1,116/mo
Today · 4.125%
HK$43,246
baseline
▲ 0.50% · 4.625%
HK$45,526
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,492/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,418
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,893
−HK$1,498/mo
Today · 4.125%
HK$50,391
baseline
▲ 0.50% · 4.625%
HK$53,458
+HK$3,067/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,782/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,752
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,167
−HK$1,435/mo
Today · 4.125%
HK$55,602
baseline
▲ 0.50% · 4.625%
HK$58,533
+HK$2,931/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,204/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,230 · Scale 2, in force from 26 Feb 2026)