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$26,088
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,900
−HK$824/mo
Today · 4.125%
HK$27,724
baseline
▲ 0.50% · 4.625%
HK$29,411
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,448/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,023
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,801
−HK$790/mo
Today · 4.125%
HK$30,591
baseline
▲ 0.50% · 4.625%
HK$32,204
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,182/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,306
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,280
−HK$989/mo
Today · 4.125%
HK$33,269
baseline
▲ 0.50% · 4.625%
HK$35,294
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$66,538/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,828
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,762
−HK$947/mo
Today · 4.125%
HK$36,709
baseline
▲ 0.50% · 4.625%
HK$38,644
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$73,418/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,524
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,660
−HK$1,154/mo
Today · 4.125%
HK$38,814
baseline
▲ 0.50% · 4.625%
HK$41,176
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,628/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,632
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,722
−HK$1,106/mo
Today · 4.125%
HK$42,828
baseline
▲ 0.50% · 4.625%
HK$45,085
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,656/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,959
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,420
−HK$1,484/mo
Today · 4.125%
HK$49,904
baseline
▲ 0.50% · 4.625%
HK$52,940
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,808/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,242
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,643
−HK$1,421/mo
Today · 4.125%
HK$55,064
baseline
▲ 0.50% · 4.625%
HK$57,966
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,128/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,038 · Scale 2, in force from 26 Feb 2026)