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$26,098
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,910
−HK$825/mo
Today · 4.125%
HK$27,735
baseline
▲ 0.50% · 4.625%
HK$29,422
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,470/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,034
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,812
−HK$790/mo
Today · 4.125%
HK$30,602
baseline
▲ 0.50% · 4.625%
HK$32,215
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,204/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,318
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,292
−HK$989/mo
Today · 4.125%
HK$33,281
baseline
▲ 0.50% · 4.625%
HK$35,307
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,562/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,840
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,775
−HK$948/mo
Today · 4.125%
HK$36,723
baseline
▲ 0.50% · 4.625%
HK$38,658
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,446/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,537
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,674
−HK$1,154/mo
Today · 4.125%
HK$38,828
baseline
▲ 0.50% · 4.625%
HK$41,191
+HK$2,363/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,656/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,647
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,737
−HK$1,106/mo
Today · 4.125%
HK$42,843
baseline
▲ 0.50% · 4.625%
HK$45,102
+HK$2,259/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,686/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,976
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,438
−HK$1,484/mo
Today · 4.125%
HK$49,922
baseline
▲ 0.50% · 4.625%
HK$52,960
+HK$3,038/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,844/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,261
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,662
−HK$1,422/mo
Today · 4.125%
HK$55,084
baseline
▲ 0.50% · 4.625%
HK$57,988
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,168/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,195 · Scale 2, in force from 26 Feb 2026)