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$26,096
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,908
−HK$825/mo
Today · 4.125%
HK$27,733
baseline
▲ 0.50% · 4.625%
HK$29,420
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,466/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,032
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,810
−HK$790/mo
Today · 4.125%
HK$30,600
baseline
▲ 0.50% · 4.625%
HK$32,213
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,200/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,315
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,289
−HK$990/mo
Today · 4.125%
HK$33,279
baseline
▲ 0.50% · 4.625%
HK$35,304
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,558/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,838
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,772
−HK$948/mo
Today · 4.125%
HK$36,720
baseline
▲ 0.50% · 4.625%
HK$38,656
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,440/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,535
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,671
−HK$1,155/mo
Today · 4.125%
HK$38,826
baseline
▲ 0.50% · 4.625%
HK$41,188
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,652/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,644
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,734
−HK$1,106/mo
Today · 4.125%
HK$42,840
baseline
▲ 0.50% · 4.625%
HK$45,098
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,680/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,973
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,434
−HK$1,485/mo
Today · 4.125%
HK$49,919
baseline
▲ 0.50% · 4.625%
HK$52,956
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,838/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,257
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,658
−HK$1,422/mo
Today · 4.125%
HK$55,080
baseline
▲ 0.50% · 4.625%
HK$57,984
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,160/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,165 · Scale 2, in force from 26 Feb 2026)