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$26,077
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,888
−HK$825/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$428,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,011
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,789
−HK$789/mo
Today · 4.125%
HK$30,578
baseline
▲ 0.50% · 4.625%
HK$32,190
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,156/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,293
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$989/mo
Today · 4.125%
HK$33,255
baseline
▲ 0.50% · 4.625%
HK$35,279
+HK$2,024/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,510/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,855 · 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$38,628
+HK$1,934/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$428,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,508
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,644
−HK$1,154/mo
Today · 4.125%
HK$38,798
baseline
▲ 0.50% · 4.625%
HK$41,158
+HK$2,360/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$428,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,615
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,704
−HK$1,105/mo
Today · 4.125%
HK$42,809
baseline
▲ 0.50% · 4.625%
HK$45,066
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,618/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,939
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,399
−HK$1,484/mo
Today · 4.125%
HK$49,883
baseline
▲ 0.50% · 4.625%
HK$52,918
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,766/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,219
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,620
−HK$1,421/mo
Today · 4.125%
HK$55,041
baseline
▲ 0.50% · 4.625%
HK$57,942
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,082/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,855 · Scale 2, in force from 26 Feb 2026)