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$26,083
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,894
−HK$824/mo
Today · 4.125%
HK$27,718
baseline
▲ 0.50% · 4.625%
HK$29,405
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,436/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,017
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,795
−HK$789/mo
Today · 4.125%
HK$30,584
baseline
▲ 0.50% · 4.625%
HK$32,196
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,168/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,299
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,273
−HK$989/mo
Today · 4.125%
HK$33,262
baseline
▲ 0.50% · 4.625%
HK$35,286
+HK$2,024/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$66,524/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,820
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,754
−HK$947/mo
Today · 4.125%
HK$36,701
baseline
▲ 0.50% · 4.625%
HK$38,636
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$73,402/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,516
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,651
−HK$1,154/mo
Today · 4.125%
HK$38,805
baseline
▲ 0.50% · 4.625%
HK$41,167
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,610/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,623
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,713
−HK$1,105/mo
Today · 4.125%
HK$42,818
baseline
▲ 0.50% · 4.625%
HK$45,075
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,636/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,949
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,409
−HK$1,484/mo
Today · 4.125%
HK$49,893
baseline
▲ 0.50% · 4.625%
HK$52,928
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,786/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,230
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,631
−HK$1,421/mo
Today · 4.125%
HK$55,052
baseline
▲ 0.50% · 4.625%
HK$57,953
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,104/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,941 · Scale 2, in force from 26 Feb 2026)