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$26,067
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,878
−HK$824/mo
Today · 4.125%
HK$27,702
baseline
▲ 0.50% · 4.625%
HK$29,387
+HK$1,685/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,404/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,999
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,777
−HK$789/mo
Today · 4.125%
HK$30,566
baseline
▲ 0.50% · 4.625%
HK$32,177
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,132/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,281
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,254
−HK$988/mo
Today · 4.125%
HK$33,242
baseline
▲ 0.50% · 4.625%
HK$35,265
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,484/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,799
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,733
−HK$946/mo
Today · 4.125%
HK$36,679
baseline
▲ 0.50% · 4.625%
HK$38,613
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,358/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,494
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,629
−HK$1,154/mo
Today · 4.125%
HK$38,783
baseline
▲ 0.50% · 4.625%
HK$41,142
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,566/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,599
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,688
−HK$1,105/mo
Today · 4.125%
HK$42,793
baseline
▲ 0.50% · 4.625%
HK$45,048
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,586/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,921
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,380
−HK$1,483/mo
Today · 4.125%
HK$49,863
baseline
▲ 0.50% · 4.625%
HK$52,897
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,726/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,199
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,599
−HK$1,420/mo
Today · 4.125%
HK$55,019
baseline
▲ 0.50% · 4.625%
HK$57,919
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,038/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,689 · Scale 2, in force from 26 Feb 2026)