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$26,075
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$824/mo
Today · 4.125%
HK$27,710
baseline
▲ 0.50% · 4.625%
HK$29,396
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,420/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,008
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,786
−HK$790/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,187
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,290
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,264
−HK$988/mo
Today · 4.125%
HK$33,252
baseline
▲ 0.50% · 4.625%
HK$35,276
+HK$2,024/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,504/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,810
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,744
−HK$947/mo
Today · 4.125%
HK$36,691
baseline
▲ 0.50% · 4.625%
HK$38,625
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,382/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,505
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,641
−HK$1,153/mo
Today · 4.125%
HK$38,794
baseline
▲ 0.50% · 4.625%
HK$41,155
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,588/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,612
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,701
−HK$1,105/mo
Today · 4.125%
HK$42,806
baseline
▲ 0.50% · 4.625%
HK$45,062
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,612/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,935
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,395
−HK$1,484/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,914
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,215
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,615
−HK$1,421/mo
Today · 4.125%
HK$55,036
baseline
▲ 0.50% · 4.625%
HK$57,937
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,072/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,820 · Scale 2, in force from 26 Feb 2026)