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$26,101
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,913
−HK$825/mo
Today · 4.125%
HK$27,738
baseline
▲ 0.50% · 4.625%
HK$29,426
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,476/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,037
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,816
−HK$790/mo
Today · 4.125%
HK$30,606
baseline
▲ 0.50% · 4.625%
HK$32,219
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,212/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,321
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,296
−HK$989/mo
Today · 4.125%
HK$33,285
baseline
▲ 0.50% · 4.625%
HK$35,311
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,570/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,845
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,779
−HK$948/mo
Today · 4.125%
HK$36,727
baseline
▲ 0.50% · 4.625%
HK$38,663
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,454/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,541
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,678
−HK$1,155/mo
Today · 4.125%
HK$38,833
baseline
▲ 0.50% · 4.625%
HK$41,196
+HK$2,363/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,666/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,652
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,742
−HK$1,106/mo
Today · 4.125%
HK$42,848
baseline
▲ 0.50% · 4.625%
HK$45,107
+HK$2,259/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,696/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,982
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,443
−HK$1,485/mo
Today · 4.125%
HK$49,928
baseline
▲ 0.50% · 4.625%
HK$52,966
+HK$3,038/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,856/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,267
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,669
−HK$1,422/mo
Today · 4.125%
HK$55,091
baseline
▲ 0.50% · 4.625%
HK$57,995
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,182/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,246 · Scale 2, in force from 26 Feb 2026)