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$1,635/mo
▼ 0.25% · 3.875%
HK$26,888
−HK$824/mo
Today · 4.125%
HK$27,712
baseline
▲ 0.50% · 4.625%
HK$29,398
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,424/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,010
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,788
−HK$790/mo
Today · 4.125%
HK$30,578
baseline
▲ 0.50% · 4.625%
HK$32,189
+HK$1,611/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$428,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,292
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$988/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,278
+HK$2,024/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,812
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,746
−HK$947/mo
Today · 4.125%
HK$36,693
baseline
▲ 0.50% · 4.625%
HK$38,627
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,386/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,508
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,643
−HK$1,154/mo
Today · 4.125%
HK$38,797
baseline
▲ 0.50% · 4.625%
HK$41,158
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,594/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,614
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,704
−HK$1,105/mo
Today · 4.125%
HK$42,809
baseline
▲ 0.50% · 4.625%
HK$45,065
+HK$2,256/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$428,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,938
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,398
−HK$1,484/mo
Today · 4.125%
HK$49,882
baseline
▲ 0.50% · 4.625%
HK$52,917
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,764/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,218
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,619
−HK$1,421/mo
Today · 4.125%
HK$55,040
baseline
▲ 0.50% · 4.625%
HK$57,941
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,080/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,847 · Scale 2, in force from 26 Feb 2026)