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$26,376
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,196
−HK$834/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,735
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,343
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,130
−HK$798/mo
Today · 4.125%
HK$30,928
baseline
▲ 0.50% · 4.625%
HK$32,558
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,856/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,651
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,635
−HK$1,000/mo
Today · 4.125%
HK$33,635
baseline
▲ 0.50% · 4.625%
HK$35,682
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,270/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,211
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,155
−HK$958/mo
Today · 4.125%
HK$37,113
baseline
▲ 0.50% · 4.625%
HK$39,070
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,226/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,926
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,074
−HK$1,167/mo
Today · 4.125%
HK$39,241
baseline
▲ 0.50% · 4.625%
HK$41,629
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,482/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,080
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,181
−HK$1,118/mo
Today · 4.125%
HK$43,299
baseline
▲ 0.50% · 4.625%
HK$45,581
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,598/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,476
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,953
−HK$1,500/mo
Today · 4.125%
HK$50,453
baseline
▲ 0.50% · 4.625%
HK$53,523
+HK$3,070/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,906/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,817
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,233
−HK$1,437/mo
Today · 4.125%
HK$55,670
baseline
▲ 0.50% · 4.625%
HK$58,605
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,340/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,761 · Scale 2, in force from 26 Feb 2026)