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$26,074
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,885
−HK$824/mo
Today · 4.125%
HK$27,709
baseline
▲ 0.50% · 4.625%
HK$29,395
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,418/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,007
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,785
−HK$789/mo
Today · 4.125%
HK$30,574
baseline
▲ 0.50% · 4.625%
HK$32,186
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,148/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,289
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,262
−HK$989/mo
Today · 4.125%
HK$33,251
baseline
▲ 0.50% · 4.625%
HK$35,274
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,502/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,808
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,742
−HK$947/mo
Today · 4.125%
HK$36,689
baseline
▲ 0.50% · 4.625%
HK$38,623
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,378/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,504
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,639
−HK$1,154/mo
Today · 4.125%
HK$38,793
baseline
▲ 0.50% · 4.625%
HK$41,153
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,586/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,610
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,699
−HK$1,105/mo
Today · 4.125%
HK$42,804
baseline
▲ 0.50% · 4.625%
HK$45,060
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,608/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,933
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,393
−HK$1,483/mo
Today · 4.125%
HK$49,876
baseline
▲ 0.50% · 4.625%
HK$52,911
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,752/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,213
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,613
−HK$1,421/mo
Today · 4.125%
HK$55,034
baseline
▲ 0.50% · 4.625%
HK$57,934
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,068/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,801 · Scale 2, in force from 26 Feb 2026)