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$26,071
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,882
−HK$824/mo
Today · 4.125%
HK$27,706
baseline
▲ 0.50% · 4.625%
HK$29,392
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,412/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,004
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,781
−HK$789/mo
Today · 4.125%
HK$30,570
baseline
▲ 0.50% · 4.625%
HK$32,182
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,140/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,285
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,258
−HK$989/mo
Today · 4.125%
HK$33,247
baseline
▲ 0.50% · 4.625%
HK$35,270
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,494/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,804
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,738
−HK$947/mo
Today · 4.125%
HK$36,685
baseline
▲ 0.50% · 4.625%
HK$38,618
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,370/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,499
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,634
−HK$1,154/mo
Today · 4.125%
HK$38,788
baseline
▲ 0.50% · 4.625%
HK$41,148
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,576/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,605
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,694
−HK$1,105/mo
Today · 4.125%
HK$42,799
baseline
▲ 0.50% · 4.625%
HK$45,055
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,598/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,927
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,387
−HK$1,483/mo
Today · 4.125%
HK$49,870
baseline
▲ 0.50% · 4.625%
HK$52,905
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,740/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,206
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,606
−HK$1,421/mo
Today · 4.125%
HK$55,027
baseline
▲ 0.50% · 4.625%
HK$57,927
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,054/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,748 · Scale 2, in force from 26 Feb 2026)