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$26,100
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,912
−HK$825/mo
Today · 4.125%
HK$27,737
baseline
▲ 0.50% · 4.625%
HK$29,425
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,474/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,036
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,815
−HK$790/mo
Today · 4.125%
HK$30,605
baseline
▲ 0.50% · 4.625%
HK$32,218
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,210/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,320
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,294
−HK$990/mo
Today · 4.125%
HK$33,284
baseline
▲ 0.50% · 4.625%
HK$35,309
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,568/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,843
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,778
−HK$948/mo
Today · 4.125%
HK$36,726
baseline
▲ 0.50% · 4.625%
HK$38,662
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,452/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,540
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,677
−HK$1,155/mo
Today · 4.125%
HK$38,832
baseline
▲ 0.50% · 4.625%
HK$41,194
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,664/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,651
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,741
−HK$1,106/mo
Today · 4.125%
HK$42,847
baseline
▲ 0.50% · 4.625%
HK$45,105
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,694/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,980
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,442
−HK$1,484/mo
Today · 4.125%
HK$49,926
baseline
▲ 0.50% · 4.625%
HK$52,964
+HK$3,038/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,852/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,265
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,667
−HK$1,422/mo
Today · 4.125%
HK$55,089
baseline
▲ 0.50% · 4.625%
HK$57,993
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,178/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,231 · Scale 2, in force from 26 Feb 2026)