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$26,107
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,919
−HK$825/mo
Today · 4.125%
HK$27,744
baseline
▲ 0.50% · 4.625%
HK$29,433
+HK$1,689/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,488/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,044
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,823
−HK$790/mo
Today · 4.125%
HK$30,613
baseline
▲ 0.50% · 4.625%
HK$32,227
+HK$1,614/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,226/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,329
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,303
−HK$990/mo
Today · 4.125%
HK$33,293
baseline
▲ 0.50% · 4.625%
HK$35,319
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,586/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,853
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,788
−HK$948/mo
Today · 4.125%
HK$36,736
baseline
▲ 0.50% · 4.625%
HK$38,672
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,472/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,550
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,687
−HK$1,155/mo
Today · 4.125%
HK$38,842
baseline
▲ 0.50% · 4.625%
HK$41,206
+HK$2,364/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,684/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,662
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,752
−HK$1,107/mo
Today · 4.125%
HK$42,859
baseline
▲ 0.50% · 4.625%
HK$45,118
+HK$2,259/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,718/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,993
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,455
−HK$1,485/mo
Today · 4.125%
HK$49,940
baseline
▲ 0.50% · 4.625%
HK$52,979
+HK$3,039/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,880/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,279
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,682
−HK$1,422/mo
Today · 4.125%
HK$55,104
baseline
▲ 0.50% · 4.625%
HK$58,008
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,208/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,349 · Scale 2, in force from 26 Feb 2026)