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$26,098
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,909
−HK$825/mo
Today · 4.125%
HK$27,734
baseline
▲ 0.50% · 4.625%
HK$29,422
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,468/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,033
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,812
−HK$790/mo
Today · 4.125%
HK$30,602
baseline
▲ 0.50% · 4.625%
HK$32,215
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,204/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,317
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,291
−HK$990/mo
Today · 4.125%
HK$33,281
baseline
▲ 0.50% · 4.625%
HK$35,306
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,562/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,840
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,774
−HK$948/mo
Today · 4.125%
HK$36,722
baseline
▲ 0.50% · 4.625%
HK$38,658
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,444/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,537
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,673
−HK$1,155/mo
Today · 4.125%
HK$38,828
baseline
▲ 0.50% · 4.625%
HK$41,190
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,656/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,647
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,737
−HK$1,106/mo
Today · 4.125%
HK$42,843
baseline
▲ 0.50% · 4.625%
HK$45,101
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,686/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,976
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,437
−HK$1,484/mo
Today · 4.125%
HK$49,921
baseline
▲ 0.50% · 4.625%
HK$52,959
+HK$3,038/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,842/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,260
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,662
−HK$1,421/mo
Today · 4.125%
HK$55,083
baseline
▲ 0.50% · 4.625%
HK$57,987
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,166/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,189 · Scale 2, in force from 26 Feb 2026)