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$26,066
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$823/mo
Today · 4.125%
HK$27,700
baseline
▲ 0.50% · 4.625%
HK$29,386
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,400/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,998
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,776
−HK$789/mo
Today · 4.125%
HK$30,565
baseline
▲ 0.50% · 4.625%
HK$32,176
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,130/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,279
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,252
−HK$989/mo
Today · 4.125%
HK$33,241
baseline
▲ 0.50% · 4.625%
HK$35,263
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,482/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,798
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,731
−HK$947/mo
Today · 4.125%
HK$36,678
baseline
▲ 0.50% · 4.625%
HK$38,611
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,356/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,492
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,627
−HK$1,154/mo
Today · 4.125%
HK$38,781
baseline
▲ 0.50% · 4.625%
HK$41,140
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,562/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,597
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,686
−HK$1,105/mo
Today · 4.125%
HK$42,791
baseline
▲ 0.50% · 4.625%
HK$45,046
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,582/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,919
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,378
−HK$1,483/mo
Today · 4.125%
HK$49,861
baseline
▲ 0.50% · 4.625%
HK$52,895
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,722/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,196
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,596
−HK$1,420/mo
Today · 4.125%
HK$55,016
baseline
▲ 0.50% · 4.625%
HK$57,916
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,032/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,668 · Scale 2, in force from 26 Feb 2026)