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$26,079
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,890
−HK$824/mo
Today · 4.125%
HK$27,714
baseline
▲ 0.50% · 4.625%
HK$29,401
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,428/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,013
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,791
−HK$789/mo
Today · 4.125%
HK$30,580
baseline
▲ 0.50% · 4.625%
HK$32,192
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,160/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,295
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,268
−HK$989/mo
Today · 4.125%
HK$33,257
baseline
▲ 0.50% · 4.625%
HK$35,281
+HK$2,024/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,514/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,815
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,749
−HK$947/mo
Today · 4.125%
HK$36,696
baseline
▲ 0.50% · 4.625%
HK$38,631
+HK$1,935/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,392/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,511
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,646
−HK$1,154/mo
Today · 4.125%
HK$38,800
baseline
▲ 0.50% · 4.625%
HK$41,161
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,600/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,618
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,707
−HK$1,105/mo
Today · 4.125%
HK$42,812
baseline
▲ 0.50% · 4.625%
HK$45,069
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,624/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,942
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,403
−HK$1,483/mo
Today · 4.125%
HK$49,886
baseline
▲ 0.50% · 4.625%
HK$52,922
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,772/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,223
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,624
−HK$1,420/mo
Today · 4.125%
HK$55,044
baseline
▲ 0.50% · 4.625%
HK$57,946
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,088/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,885 · Scale 2, in force from 26 Feb 2026)