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$26,111
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,923
−HK$825/mo
Today · 4.125%
HK$27,748
baseline
▲ 0.50% · 4.625%
HK$29,437
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,496/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,048
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,827
−HK$790/mo
Today · 4.125%
HK$30,617
baseline
▲ 0.50% · 4.625%
HK$32,231
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,234/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,333
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,308
−HK$990/mo
Today · 4.125%
HK$33,298
baseline
▲ 0.50% · 4.625%
HK$35,324
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,596/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,858
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,793
−HK$948/mo
Today · 4.125%
HK$36,741
baseline
▲ 0.50% · 4.625%
HK$38,678
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,482/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,555
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,692
−HK$1,156/mo
Today · 4.125%
HK$38,848
baseline
▲ 0.50% · 4.625%
HK$41,211
+HK$2,363/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,696/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,667
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,758
−HK$1,106/mo
Today · 4.125%
HK$42,864
baseline
▲ 0.50% · 4.625%
HK$45,124
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,728/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,000
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,462
−HK$1,485/mo
Today · 4.125%
HK$49,947
baseline
▲ 0.50% · 4.625%
HK$52,986
+HK$3,039/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,894/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,287
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,689
−HK$1,422/mo
Today · 4.125%
HK$55,111
baseline
▲ 0.50% · 4.625%
HK$58,016
+HK$2,905/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,222/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,407 · Scale 2, in force from 26 Feb 2026)