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$26,080
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,892
−HK$824/mo
Today · 4.125%
HK$27,716
baseline
▲ 0.50% · 4.625%
HK$29,402
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,432/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,014
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,792
−HK$790/mo
Today · 4.125%
HK$30,582
baseline
▲ 0.50% · 4.625%
HK$32,194
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,164/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,296
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,270
−HK$989/mo
Today · 4.125%
HK$33,259
baseline
▲ 0.50% · 4.625%
HK$35,283
+HK$2,024/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,518/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,817
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,751
−HK$947/mo
Today · 4.125%
HK$36,698
baseline
▲ 0.50% · 4.625%
HK$38,632
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,396/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,513
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,648
−HK$1,154/mo
Today · 4.125%
HK$38,802
baseline
▲ 0.50% · 4.625%
HK$41,163
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,604/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,620
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,709
−HK$1,105/mo
Today · 4.125%
HK$42,814
baseline
▲ 0.50% · 4.625%
HK$45,071
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,628/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,945
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,405
−HK$1,484/mo
Today · 4.125%
HK$49,889
baseline
▲ 0.50% · 4.625%
HK$52,924
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,778/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,226
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,626
−HK$1,421/mo
Today · 4.125%
HK$55,047
baseline
▲ 0.50% · 4.625%
HK$57,949
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,094/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,906 · Scale 2, in force from 26 Feb 2026)