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$26,073
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$823/mo
Today · 4.125%
HK$27,707
baseline
▲ 0.50% · 4.625%
HK$29,393
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,414/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,005
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$789/mo
Today · 4.125%
HK$30,572
baseline
▲ 0.50% · 4.625%
HK$32,184
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,144/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,287
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,260
−HK$989/mo
Today · 4.125%
HK$33,249
baseline
▲ 0.50% · 4.625%
HK$35,272
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,498/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,806
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,740
−HK$947/mo
Today · 4.125%
HK$36,687
baseline
▲ 0.50% · 4.625%
HK$38,621
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,374/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,502
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,637
−HK$1,153/mo
Today · 4.125%
HK$38,790
baseline
▲ 0.50% · 4.625%
HK$41,151
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,580/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,608
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,697
−HK$1,104/mo
Today · 4.125%
HK$42,801
baseline
▲ 0.50% · 4.625%
HK$45,058
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,602/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,931
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,390
−HK$1,483/mo
Today · 4.125%
HK$49,873
baseline
▲ 0.50% · 4.625%
HK$52,908
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,746/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,210
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,610
−HK$1,420/mo
Today · 4.125%
HK$55,030
baseline
▲ 0.50% · 4.625%
HK$57,931
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,060/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,776 · Scale 2, in force from 26 Feb 2026)