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$26,103
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,915
−HK$825/mo
Today · 4.125%
HK$27,740
baseline
▲ 0.50% · 4.625%
HK$29,428
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,480/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,039
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,818
−HK$790/mo
Today · 4.125%
HK$30,608
baseline
▲ 0.50% · 4.625%
HK$32,222
+HK$1,614/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,216/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,324
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,298
−HK$990/mo
Today · 4.125%
HK$33,288
baseline
▲ 0.50% · 4.625%
HK$35,313
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,576/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,847
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,782
−HK$948/mo
Today · 4.125%
HK$36,730
baseline
▲ 0.50% · 4.625%
HK$38,666
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,460/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,544
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,681
−HK$1,155/mo
Today · 4.125%
HK$38,836
baseline
▲ 0.50% · 4.625%
HK$41,199
+HK$2,363/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,672/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,655
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,745
−HK$1,106/mo
Today · 4.125%
HK$42,851
baseline
▲ 0.50% · 4.625%
HK$45,110
+HK$2,259/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,702/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,985
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,447
−HK$1,485/mo
Today · 4.125%
HK$49,932
baseline
▲ 0.50% · 4.625%
HK$52,970
+HK$3,038/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,864/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,271
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,673
−HK$1,422/mo
Today · 4.125%
HK$55,095
baseline
▲ 0.50% · 4.625%
HK$57,999
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,190/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,277 · Scale 2, in force from 26 Feb 2026)