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$26,078
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$824/mo
Today · 4.125%
HK$27,713
baseline
▲ 0.50% · 4.625%
HK$29,399
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,426/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,011
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,789
−HK$790/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,190
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,293
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,267
−HK$989/mo
Today · 4.125%
HK$33,256
baseline
▲ 0.50% · 4.625%
HK$35,279
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,512/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,813
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,747
−HK$947/mo
Today · 4.125%
HK$36,694
baseline
▲ 0.50% · 4.625%
HK$38,629
+HK$1,935/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,388/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,509
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,644
−HK$1,154/mo
Today · 4.125%
HK$38,798
baseline
▲ 0.50% · 4.625%
HK$41,159
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,596/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,616
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,705
−HK$1,105/mo
Today · 4.125%
HK$42,810
baseline
▲ 0.50% · 4.625%
HK$45,067
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,620/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,940
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,400
−HK$1,484/mo
Today · 4.125%
HK$49,884
baseline
▲ 0.50% · 4.625%
HK$52,919
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,768/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,220
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,621
−HK$1,421/mo
Today · 4.125%
HK$55,042
baseline
▲ 0.50% · 4.625%
HK$57,943
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,084/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,863 · Scale 2, in force from 26 Feb 2026)