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$26,076
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,887
−HK$824/mo
Today · 4.125%
HK$27,711
baseline
▲ 0.50% · 4.625%
HK$29,398
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,422/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,009
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,787
−HK$790/mo
Today · 4.125%
HK$30,577
baseline
▲ 0.50% · 4.625%
HK$32,188
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,154/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,291
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,265
−HK$989/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,277
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,811
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,745
−HK$947/mo
Today · 4.125%
HK$36,692
baseline
▲ 0.50% · 4.625%
HK$38,626
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,384/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,507
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$1,154/mo
Today · 4.125%
HK$38,796
baseline
▲ 0.50% · 4.625%
HK$41,157
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,592/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,613
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,702
−HK$1,105/mo
Today · 4.125%
HK$42,807
baseline
▲ 0.50% · 4.625%
HK$45,064
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,614/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,937
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,397
−HK$1,483/mo
Today · 4.125%
HK$49,880
baseline
▲ 0.50% · 4.625%
HK$52,916
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,760/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,217
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,617
−HK$1,421/mo
Today · 4.125%
HK$55,038
baseline
▲ 0.50% · 4.625%
HK$57,939
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,076/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,836 · Scale 2, in force from 26 Feb 2026)