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$26,105
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,917
−HK$825/mo
Today · 4.125%
HK$27,742
baseline
▲ 0.50% · 4.625%
HK$29,430
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,484/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,041
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,820
−HK$790/mo
Today · 4.125%
HK$30,610
baseline
▲ 0.50% · 4.625%
HK$32,224
+HK$1,614/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,220/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,326
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,300
−HK$990/mo
Today · 4.125%
HK$33,290
baseline
▲ 0.50% · 4.625%
HK$35,316
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,580/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,850
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,784
−HK$949/mo
Today · 4.125%
HK$36,733
baseline
▲ 0.50% · 4.625%
HK$38,669
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,466/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,547
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,684
−HK$1,155/mo
Today · 4.125%
HK$38,839
baseline
▲ 0.50% · 4.625%
HK$41,202
+HK$2,363/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,678/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,658
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,748
−HK$1,107/mo
Today · 4.125%
HK$42,855
baseline
▲ 0.50% · 4.625%
HK$45,114
+HK$2,259/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,710/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,989
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,450
−HK$1,485/mo
Today · 4.125%
HK$49,935
baseline
▲ 0.50% · 4.625%
HK$52,974
+HK$3,039/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,870/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,275
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,677
−HK$1,422/mo
Today · 4.125%
HK$55,099
baseline
▲ 0.50% · 4.625%
HK$58,003
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,198/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,309 · Scale 2, in force from 26 Feb 2026)