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$26,066
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$824/mo
Today · 4.125%
HK$27,701
baseline
▲ 0.50% · 4.625%
HK$29,387
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,402/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,999
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,776
−HK$789/mo
Today · 4.125%
HK$30,565
baseline
▲ 0.50% · 4.625%
HK$32,176
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,130/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,280
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,253
−HK$988/mo
Today · 4.125%
HK$33,241
baseline
▲ 0.50% · 4.625%
HK$35,264
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,482/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,798
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,732
−HK$946/mo
Today · 4.125%
HK$36,678
baseline
▲ 0.50% · 4.625%
HK$38,612
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,356/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,493
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,628
−HK$1,153/mo
Today · 4.125%
HK$38,781
baseline
▲ 0.50% · 4.625%
HK$41,141
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,562/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,598
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,687
−HK$1,104/mo
Today · 4.125%
HK$42,791
baseline
▲ 0.50% · 4.625%
HK$45,047
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,582/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,920
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,379
−HK$1,483/mo
Today · 4.125%
HK$49,862
baseline
▲ 0.50% · 4.625%
HK$52,896
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,724/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,197
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,597
−HK$1,421/mo
Today · 4.125%
HK$55,018
baseline
▲ 0.50% · 4.625%
HK$57,918
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,036/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,676 · Scale 2, in force from 26 Feb 2026)