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$26,070
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,881
−HK$824/mo
Today · 4.125%
HK$27,705
baseline
▲ 0.50% · 4.625%
HK$29,390
+HK$1,685/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,410/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,002
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,780
−HK$789/mo
Today · 4.125%
HK$30,569
baseline
▲ 0.50% · 4.625%
HK$32,181
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,138/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,284
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,257
−HK$988/mo
Today · 4.125%
HK$33,245
baseline
▲ 0.50% · 4.625%
HK$35,268
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,490/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,803
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,736
−HK$947/mo
Today · 4.125%
HK$36,683
baseline
▲ 0.50% · 4.625%
HK$38,617
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,366/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,498
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,633
−HK$1,153/mo
Today · 4.125%
HK$38,786
baseline
▲ 0.50% · 4.625%
HK$41,146
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,572/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,603
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,692
−HK$1,105/mo
Today · 4.125%
HK$42,797
baseline
▲ 0.50% · 4.625%
HK$45,053
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,594/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,925
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,385
−HK$1,483/mo
Today · 4.125%
HK$49,868
baseline
▲ 0.50% · 4.625%
HK$52,902
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,736/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,204
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,604
−HK$1,421/mo
Today · 4.125%
HK$55,025
baseline
▲ 0.50% · 4.625%
HK$57,925
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,050/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,731 · Scale 2, in force from 26 Feb 2026)