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$26,073
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$824/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,394
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,006
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$790/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,184
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,287
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,260
−HK$989/mo
Today · 4.125%
HK$33,249
baseline
▲ 0.50% · 4.625%
HK$35,272
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,498/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,807
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,740
−HK$947/mo
Today · 4.125%
HK$36,687
baseline
▲ 0.50% · 4.625%
HK$38,621
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,374/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,502
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,637
−HK$1,154/mo
Today · 4.125%
HK$38,791
baseline
▲ 0.50% · 4.625%
HK$41,151
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,582/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,608
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,697
−HK$1,105/mo
Today · 4.125%
HK$42,802
baseline
▲ 0.50% · 4.625%
HK$45,058
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,604/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,931
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,391
−HK$1,483/mo
Today · 4.125%
HK$49,874
baseline
▲ 0.50% · 4.625%
HK$52,908
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,748/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,210
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,610
−HK$1,421/mo
Today · 4.125%
HK$55,031
baseline
▲ 0.50% · 4.625%
HK$57,931
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,062/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,778 · Scale 2, in force from 26 Feb 2026)