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$26,094
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,905
−HK$825/mo
Today · 4.125%
HK$27,730
baseline
▲ 0.50% · 4.625%
HK$29,417
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,460/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,029
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,807
−HK$790/mo
Today · 4.125%
HK$30,597
baseline
▲ 0.50% · 4.625%
HK$32,210
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,194/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,312
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,286
−HK$990/mo
Today · 4.125%
HK$33,276
baseline
▲ 0.50% · 4.625%
HK$35,301
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,552/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,835
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,769
−HK$948/mo
Today · 4.125%
HK$36,717
baseline
▲ 0.50% · 4.625%
HK$38,652
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,434/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,531
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,667
−HK$1,155/mo
Today · 4.125%
HK$38,822
baseline
▲ 0.50% · 4.625%
HK$41,184
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,644/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,641
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,730
−HK$1,106/mo
Today · 4.125%
HK$42,836
baseline
▲ 0.50% · 4.625%
HK$45,094
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,672/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,969
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,430
−HK$1,484/mo
Today · 4.125%
HK$49,914
baseline
▲ 0.50% · 4.625%
HK$52,951
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,828/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,252
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,653
−HK$1,422/mo
Today · 4.125%
HK$55,075
baseline
▲ 0.50% · 4.625%
HK$57,978
+HK$2,903/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,150/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,124 · Scale 2, in force from 26 Feb 2026)