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$26,112
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,924
−HK$825/mo
Today · 4.125%
HK$27,749
baseline
▲ 0.50% · 4.625%
HK$29,438
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,498/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,049
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,828
−HK$791/mo
Today · 4.125%
HK$30,619
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,238/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,334
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,309
−HK$990/mo
Today · 4.125%
HK$33,299
baseline
▲ 0.50% · 4.625%
HK$35,325
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,598/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,859
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,794
−HK$948/mo
Today · 4.125%
HK$36,742
baseline
▲ 0.50% · 4.625%
HK$38,679
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,484/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,557
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,694
−HK$1,155/mo
Today · 4.125%
HK$38,849
baseline
▲ 0.50% · 4.625%
HK$41,213
+HK$2,364/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,698/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,669
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,759
−HK$1,107/mo
Today · 4.125%
HK$42,866
baseline
▲ 0.50% · 4.625%
HK$45,126
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,732/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,001
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,463
−HK$1,486/mo
Today · 4.125%
HK$49,949
baseline
▲ 0.50% · 4.625%
HK$52,988
+HK$3,039/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,898/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,288
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,691
−HK$1,422/mo
Today · 4.125%
HK$55,113
baseline
▲ 0.50% · 4.625%
HK$58,019
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,226/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,423 · Scale 2, in force from 26 Feb 2026)