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$26,078
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,890
−HK$824/mo
Today · 4.125%
HK$27,714
baseline
▲ 0.50% · 4.625%
HK$29,400
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,428/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,012
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,790
−HK$789/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,191
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,294
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,268
−HK$989/mo
Today · 4.125%
HK$33,257
baseline
▲ 0.50% · 4.625%
HK$35,280
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,514/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,814
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,748
−HK$947/mo
Today · 4.125%
HK$36,695
baseline
▲ 0.50% · 4.625%
HK$38,630
+HK$1,935/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,390/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,510
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,645
−HK$1,154/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$41,160
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,617
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,706
−HK$1,105/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,068
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,941
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,401
−HK$1,484/mo
Today · 4.125%
HK$49,885
baseline
▲ 0.50% · 4.625%
HK$52,920
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,770/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,222
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,622
−HK$1,421/mo
Today · 4.125%
HK$55,043
baseline
▲ 0.50% · 4.625%
HK$57,944
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,086/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,874 · Scale 2, in force from 26 Feb 2026)