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$26,177
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$827/mo
Today · 4.125%
HK$27,819
baseline
▲ 0.50% · 4.625%
HK$29,512
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,638/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,122
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,903
−HK$792/mo
Today · 4.125%
HK$30,695
baseline
▲ 0.50% · 4.625%
HK$32,313
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,390/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,413
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,390
−HK$993/mo
Today · 4.125%
HK$33,383
baseline
▲ 0.50% · 4.625%
HK$35,414
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,766/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,946
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,884
−HK$951/mo
Today · 4.125%
HK$36,835
baseline
▲ 0.50% · 4.625%
HK$38,776
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,670/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,648
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,788
−HK$1,158/mo
Today · 4.125%
HK$38,946
baseline
▲ 0.50% · 4.625%
HK$41,316
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,892/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,771
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,864
−HK$1,110/mo
Today · 4.125%
HK$42,974
baseline
▲ 0.50% · 4.625%
HK$45,239
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,948/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,119
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,585
−HK$1,489/mo
Today · 4.125%
HK$50,074
baseline
▲ 0.50% · 4.625%
HK$53,121
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,148/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,420
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,826
−HK$1,426/mo
Today · 4.125%
HK$55,252
baseline
▲ 0.50% · 4.625%
HK$58,164
+HK$2,912/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,504/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,501 · Scale 2, in force from 26 Feb 2026)