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$26,384
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,204
−HK$834/mo
Today · 4.125%
HK$28,038
baseline
▲ 0.50% · 4.625%
HK$29,744
+HK$1,706/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,076/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,352
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,139
−HK$799/mo
Today · 4.125%
HK$30,938
baseline
▲ 0.50% · 4.625%
HK$32,568
+HK$1,630/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,876/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,661
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,645
−HK$1,001/mo
Today · 4.125%
HK$33,646
baseline
▲ 0.50% · 4.625%
HK$35,693
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,292/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,222
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,167
−HK$958/mo
Today · 4.125%
HK$37,125
baseline
▲ 0.50% · 4.625%
HK$39,082
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,250/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,937
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,086
−HK$1,168/mo
Today · 4.125%
HK$39,254
baseline
▲ 0.50% · 4.625%
HK$41,642
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,508/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,092
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,194
−HK$1,119/mo
Today · 4.125%
HK$43,313
baseline
▲ 0.50% · 4.625%
HK$45,596
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,626/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,491
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,968
−HK$1,501/mo
Today · 4.125%
HK$50,469
baseline
▲ 0.50% · 4.625%
HK$53,540
+HK$3,071/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,938/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,833
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,250
−HK$1,438/mo
Today · 4.125%
HK$55,688
baseline
▲ 0.50% · 4.625%
HK$58,623
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,376/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,896 · Scale 2, in force from 26 Feb 2026)