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$26,073
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,885
−HK$824/mo
Today · 4.125%
HK$27,709
baseline
▲ 0.50% · 4.625%
HK$29,395
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,418/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,006
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,784
−HK$790/mo
Today · 4.125%
HK$30,574
baseline
▲ 0.50% · 4.625%
HK$32,185
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,148/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,288
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,261
−HK$989/mo
Today · 4.125%
HK$33,250
baseline
▲ 0.50% · 4.625%
HK$35,273
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,500/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,808
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,741
−HK$947/mo
Today · 4.125%
HK$36,688
baseline
▲ 0.50% · 4.625%
HK$38,622
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,376/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,503
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,638
−HK$1,154/mo
Today · 4.125%
HK$38,792
baseline
▲ 0.50% · 4.625%
HK$41,152
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,584/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,609
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,698
−HK$1,105/mo
Today · 4.125%
HK$42,803
baseline
▲ 0.50% · 4.625%
HK$45,059
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,606/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,932
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,392
−HK$1,483/mo
Today · 4.125%
HK$49,875
baseline
▲ 0.50% · 4.625%
HK$52,910
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,750/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,212
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,612
−HK$1,421/mo
Today · 4.125%
HK$55,033
baseline
▲ 0.50% · 4.625%
HK$57,933
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,066/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,792 · Scale 2, in force from 26 Feb 2026)