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$26,069
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,880
−HK$823/mo
Today · 4.125%
HK$27,703
baseline
▲ 0.50% · 4.625%
HK$29,389
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,406/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,001
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,779
−HK$789/mo
Today · 4.125%
HK$30,568
baseline
▲ 0.50% · 4.625%
HK$32,179
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,136/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,282
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,255
−HK$989/mo
Today · 4.125%
HK$33,244
baseline
▲ 0.50% · 4.625%
HK$35,267
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,488/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,801
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,735
−HK$947/mo
Today · 4.125%
HK$36,682
baseline
▲ 0.50% · 4.625%
HK$38,615
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,364/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,496
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,631
−HK$1,154/mo
Today · 4.125%
HK$38,785
baseline
▲ 0.50% · 4.625%
HK$41,145
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,570/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,602
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,690
−HK$1,105/mo
Today · 4.125%
HK$42,795
baseline
▲ 0.50% · 4.625%
HK$45,051
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,590/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,924
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,383
−HK$1,483/mo
Today · 4.125%
HK$49,866
baseline
▲ 0.50% · 4.625%
HK$52,900
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,732/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,202
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,602
−HK$1,420/mo
Today · 4.125%
HK$55,022
baseline
▲ 0.50% · 4.625%
HK$57,923
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,044/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,713 · Scale 2, in force from 26 Feb 2026)