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$26,076
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,887
−HK$825/mo
Today · 4.125%
HK$27,712
baseline
▲ 0.50% · 4.625%
HK$29,398
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,424/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,010
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,788
−HK$789/mo
Today · 4.125%
HK$30,577
baseline
▲ 0.50% · 4.625%
HK$32,189
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,154/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,292
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,265
−HK$989/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,277
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,812
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,745
−HK$947/mo
Today · 4.125%
HK$36,692
baseline
▲ 0.50% · 4.625%
HK$38,626
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,384/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,507
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$1,154/mo
Today · 4.125%
HK$38,796
baseline
▲ 0.50% · 4.625%
HK$41,157
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,592/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,614
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,703
−HK$1,105/mo
Today · 4.125%
HK$42,808
baseline
▲ 0.50% · 4.625%
HK$45,064
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,616/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,937
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,397
−HK$1,484/mo
Today · 4.125%
HK$49,881
baseline
▲ 0.50% · 4.625%
HK$52,916
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,762/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,217
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,618
−HK$1,421/mo
Today · 4.125%
HK$55,039
baseline
▲ 0.50% · 4.625%
HK$57,940
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,078/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,840 · Scale 2, in force from 26 Feb 2026)