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$26,083
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,894
−HK$825/mo
Today · 4.125%
HK$27,719
baseline
▲ 0.50% · 4.625%
HK$29,405
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,438/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,017
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,795
−HK$790/mo
Today · 4.125%
HK$30,585
baseline
▲ 0.50% · 4.625%
HK$32,197
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,170/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,299
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,273
−HK$989/mo
Today · 4.125%
HK$33,262
baseline
▲ 0.50% · 4.625%
HK$35,286
+HK$2,024/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$66,524/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,820
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,754
−HK$948/mo
Today · 4.125%
HK$36,702
baseline
▲ 0.50% · 4.625%
HK$38,636
+HK$1,934/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$73,404/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,516
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,652
−HK$1,154/mo
Today · 4.125%
HK$38,806
baseline
▲ 0.50% · 4.625%
HK$41,167
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,612/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,624
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,713
−HK$1,106/mo
Today · 4.125%
HK$42,819
baseline
▲ 0.50% · 4.625%
HK$45,076
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,638/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,949
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,410
−HK$1,483/mo
Today · 4.125%
HK$49,893
baseline
▲ 0.50% · 4.625%
HK$52,929
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,786/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,231
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,631
−HK$1,421/mo
Today · 4.125%
HK$55,052
baseline
▲ 0.50% · 4.625%
HK$57,954
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,104/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,947 · Scale 2, in force from 26 Feb 2026)