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$26,088
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,899
−HK$825/mo
Today · 4.125%
HK$27,724
baseline
▲ 0.50% · 4.625%
HK$29,411
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,448/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,022
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,801
−HK$789/mo
Today · 4.125%
HK$30,590
baseline
▲ 0.50% · 4.625%
HK$32,203
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,180/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,305
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,279
−HK$989/mo
Today · 4.125%
HK$33,268
baseline
▲ 0.50% · 4.625%
HK$35,293
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$66,536/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,827
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,761
−HK$947/mo
Today · 4.125%
HK$36,708
baseline
▲ 0.50% · 4.625%
HK$38,643
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$73,416/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,523
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,659
−HK$1,154/mo
Today · 4.125%
HK$38,813
baseline
▲ 0.50% · 4.625%
HK$41,175
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,626/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,631
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,721
−HK$1,105/mo
Today · 4.125%
HK$42,826
baseline
▲ 0.50% · 4.625%
HK$45,084
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,652/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,958
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,418
−HK$1,484/mo
Today · 4.125%
HK$49,902
baseline
▲ 0.50% · 4.625%
HK$52,939
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,804/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,240
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,641
−HK$1,421/mo
Today · 4.125%
HK$55,062
baseline
▲ 0.50% · 4.625%
HK$57,965
+HK$2,903/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,124/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,026 · Scale 2, in force from 26 Feb 2026)