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$26,265
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,082
−HK$831/mo
Today · 4.125%
HK$27,913
baseline
▲ 0.50% · 4.625%
HK$29,611
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,826/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,220
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,004
−HK$795/mo
Today · 4.125%
HK$30,799
baseline
▲ 0.50% · 4.625%
HK$32,422
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,598/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,519
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,499
−HK$996/mo
Today · 4.125%
HK$33,495
baseline
▲ 0.50% · 4.625%
HK$35,533
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,990/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,064
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,004
−HK$954/mo
Today · 4.125%
HK$36,958
baseline
▲ 0.50% · 4.625%
HK$38,907
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,916/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,772
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,915
−HK$1,163/mo
Today · 4.125%
HK$39,078
baseline
▲ 0.50% · 4.625%
HK$41,455
+HK$2,377/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,156/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,908
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,005
−HK$1,113/mo
Today · 4.125%
HK$43,118
baseline
▲ 0.50% · 4.625%
HK$45,391
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,236/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,278
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,748
−HK$1,495/mo
Today · 4.125%
HK$50,243
baseline
▲ 0.50% · 4.625%
HK$53,300
+HK$3,057/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,486/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,596
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,007
−HK$1,431/mo
Today · 4.125%
HK$55,438
baseline
▲ 0.50% · 4.625%
HK$58,360
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,876/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,950 · Scale 2, in force from 26 Feb 2026)