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$26,091
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,902
−HK$825/mo
Today · 4.125%
HK$27,727
baseline
▲ 0.50% · 4.625%
HK$29,414
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,454/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,026
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,804
−HK$790/mo
Today · 4.125%
HK$30,594
baseline
▲ 0.50% · 4.625%
HK$32,206
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,188/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,309
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,283
−HK$989/mo
Today · 4.125%
HK$33,272
baseline
▲ 0.50% · 4.625%
HK$35,297
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,544/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,831
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,765
−HK$947/mo
Today · 4.125%
HK$36,712
baseline
▲ 0.50% · 4.625%
HK$38,648
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,424/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,527
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,663
−HK$1,154/mo
Today · 4.125%
HK$38,817
baseline
▲ 0.50% · 4.625%
HK$41,179
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,634/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,636
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,726
−HK$1,105/mo
Today · 4.125%
HK$42,831
baseline
▲ 0.50% · 4.625%
HK$45,089
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,662/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,963
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,424
−HK$1,484/mo
Today · 4.125%
HK$49,908
baseline
▲ 0.50% · 4.625%
HK$52,945
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,816/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,246
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,647
−HK$1,422/mo
Today · 4.125%
HK$55,069
baseline
▲ 0.50% · 4.625%
HK$57,971
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,138/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,074 · Scale 2, in force from 26 Feb 2026)