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$26,091
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,903
−HK$825/mo
Today · 4.125%
HK$27,728
baseline
▲ 0.50% · 4.625%
HK$29,415
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,456/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,027
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,805
−HK$790/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,207
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,310
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,284
−HK$989/mo
Today · 4.125%
HK$33,273
baseline
▲ 0.50% · 4.625%
HK$35,298
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,546/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,832
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,766
−HK$948/mo
Today · 4.125%
HK$36,714
baseline
▲ 0.50% · 4.625%
HK$38,649
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,428/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,528
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,664
−HK$1,155/mo
Today · 4.125%
HK$38,819
baseline
▲ 0.50% · 4.625%
HK$41,181
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,638/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,637
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,727
−HK$1,106/mo
Today · 4.125%
HK$42,833
baseline
▲ 0.50% · 4.625%
HK$45,090
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,666/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,965
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,426
−HK$1,484/mo
Today · 4.125%
HK$49,910
baseline
▲ 0.50% · 4.625%
HK$52,947
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,820/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,248
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,649
−HK$1,421/mo
Today · 4.125%
HK$55,070
baseline
▲ 0.50% · 4.625%
HK$57,973
+HK$2,903/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,140/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,088 · Scale 2, in force from 26 Feb 2026)