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$1,636/mo
▼ 0.25% · 3.875%
HK$26,907
−HK$825/mo
Today · 4.125%
HK$27,732
baseline
▲ 0.50% · 4.625%
HK$29,420
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,464/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,031
−HK$1,569/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$429,158 · 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$35,303
+HK$2,024/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$429,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,837
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,772
−HK$948/mo
Today · 4.125%
HK$36,720
baseline
▲ 0.50% · 4.625%
HK$38,655
+HK$1,935/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$429,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,534
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,670
−HK$1,155/mo
Today · 4.125%
HK$38,825
baseline
▲ 0.50% · 4.625%
HK$41,187
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,650/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,158 · 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$429,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,972
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,433
−HK$1,485/mo
Today · 4.125%
HK$49,918
baseline
▲ 0.50% · 4.625%
HK$52,955
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,836/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,256
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,658
−HK$1,421/mo
Today · 4.125%
HK$55,079
baseline
▲ 0.50% · 4.625%
HK$57,983
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,158/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,158 · Scale 2, in force from 26 Feb 2026)