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$26,104
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,916
−HK$825/mo
Today · 4.125%
HK$27,741
baseline
▲ 0.50% · 4.625%
HK$29,429
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,482/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,040
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$790/mo
Today · 4.125%
HK$30,609
baseline
▲ 0.50% · 4.625%
HK$32,223
+HK$1,614/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,218/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,325
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,299
−HK$990/mo
Today · 4.125%
HK$33,289
baseline
▲ 0.50% · 4.625%
HK$35,314
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,578/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,848
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,783
−HK$948/mo
Today · 4.125%
HK$36,731
baseline
▲ 0.50% · 4.625%
HK$38,667
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,462/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,545
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,682
−HK$1,155/mo
Today · 4.125%
HK$38,837
baseline
▲ 0.50% · 4.625%
HK$41,200
+HK$2,363/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,674/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,656
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,747
−HK$1,106/mo
Today · 4.125%
HK$42,853
baseline
▲ 0.50% · 4.625%
HK$45,112
+HK$2,259/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,706/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,987
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,448
−HK$1,485/mo
Today · 4.125%
HK$49,933
baseline
▲ 0.50% · 4.625%
HK$52,972
+HK$3,039/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,866/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,272
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,674
−HK$1,423/mo
Today · 4.125%
HK$55,097
baseline
▲ 0.50% · 4.625%
HK$58,001
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,194/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,291 · Scale 2, in force from 26 Feb 2026)