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$26,108
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,920
−HK$825/mo
Today · 4.125%
HK$27,745
baseline
▲ 0.50% · 4.625%
HK$29,433
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,490/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,045
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,824
−HK$790/mo
Today · 4.125%
HK$30,614
baseline
▲ 0.50% · 4.625%
HK$32,228
+HK$1,614/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,228/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,330
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,304
−HK$990/mo
Today · 4.125%
HK$33,294
baseline
▲ 0.50% · 4.625%
HK$35,320
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,588/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,854
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,789
−HK$948/mo
Today · 4.125%
HK$36,737
baseline
▲ 0.50% · 4.625%
HK$38,673
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,474/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,551
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,688
−HK$1,155/mo
Today · 4.125%
HK$38,843
baseline
▲ 0.50% · 4.625%
HK$41,207
+HK$2,364/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,686/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,663
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,753
−HK$1,107/mo
Today · 4.125%
HK$42,860
baseline
▲ 0.50% · 4.625%
HK$45,119
+HK$2,259/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,720/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,994
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,456
−HK$1,485/mo
Today · 4.125%
HK$49,941
baseline
▲ 0.50% · 4.625%
HK$52,980
+HK$3,039/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,882/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,281
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,683
−HK$1,422/mo
Today · 4.125%
HK$55,105
baseline
▲ 0.50% · 4.625%
HK$58,010
+HK$2,905/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,210/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,361 · Scale 2, in force from 26 Feb 2026)