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$26,082
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,894
−HK$824/mo
Today · 4.125%
HK$27,718
baseline
▲ 0.50% · 4.625%
HK$29,404
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,436/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,016
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,794
−HK$790/mo
Today · 4.125%
HK$30,584
baseline
▲ 0.50% · 4.625%
HK$32,196
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,168/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,299
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,272
−HK$989/mo
Today · 4.125%
HK$33,261
baseline
▲ 0.50% · 4.625%
HK$35,285
+HK$2,024/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$66,522/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,819
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,753
−HK$948/mo
Today · 4.125%
HK$36,701
baseline
▲ 0.50% · 4.625%
HK$38,635
+HK$1,934/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$73,402/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,515
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,651
−HK$1,154/mo
Today · 4.125%
HK$38,805
baseline
▲ 0.50% · 4.625%
HK$41,166
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,610/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,623
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,712
−HK$1,105/mo
Today · 4.125%
HK$42,817
baseline
▲ 0.50% · 4.625%
HK$45,074
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,634/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,948
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,408
−HK$1,484/mo
Today · 4.125%
HK$49,892
baseline
▲ 0.50% · 4.625%
HK$52,928
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,784/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,229
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,630
−HK$1,421/mo
Today · 4.125%
HK$55,051
baseline
▲ 0.50% · 4.625%
HK$57,953
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,102/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,936 · Scale 2, in force from 26 Feb 2026)