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$26,106
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,918
−HK$825/mo
Today · 4.125%
HK$27,743
baseline
▲ 0.50% · 4.625%
HK$29,431
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,486/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,043
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,822
−HK$790/mo
Today · 4.125%
HK$30,612
baseline
▲ 0.50% · 4.625%
HK$32,225
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,224/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,327
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,302
−HK$990/mo
Today · 4.125%
HK$33,292
baseline
▲ 0.50% · 4.625%
HK$35,317
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,584/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,851
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,786
−HK$948/mo
Today · 4.125%
HK$36,734
baseline
▲ 0.50% · 4.625%
HK$38,670
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,468/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,548
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,685
−HK$1,155/mo
Today · 4.125%
HK$38,840
baseline
▲ 0.50% · 4.625%
HK$41,204
+HK$2,364/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,680/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,660
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,750
−HK$1,106/mo
Today · 4.125%
HK$42,856
baseline
▲ 0.50% · 4.625%
HK$45,115
+HK$2,259/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,712/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,991
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,452
−HK$1,485/mo
Today · 4.125%
HK$49,937
baseline
▲ 0.50% · 4.625%
HK$52,976
+HK$3,039/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,874/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,277
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,679
−HK$1,422/mo
Today · 4.125%
HK$55,101
baseline
▲ 0.50% · 4.625%
HK$58,006
+HK$2,905/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,202/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,327 · Scale 2, in force from 26 Feb 2026)