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$26,081
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,893
−HK$824/mo
Today · 4.125%
HK$27,717
baseline
▲ 0.50% · 4.625%
HK$29,403
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,434/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,015
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,793
−HK$790/mo
Today · 4.125%
HK$30,583
baseline
▲ 0.50% · 4.625%
HK$32,195
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,166/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,298
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,271
−HK$989/mo
Today · 4.125%
HK$33,260
baseline
▲ 0.50% · 4.625%
HK$35,284
+HK$2,024/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$66,520/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,818
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,752
−HK$947/mo
Today · 4.125%
HK$36,699
baseline
▲ 0.50% · 4.625%
HK$38,634
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$73,398/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,514
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,650
−HK$1,154/mo
Today · 4.125%
HK$38,804
baseline
▲ 0.50% · 4.625%
HK$41,165
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,608/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,621
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,711
−HK$1,105/mo
Today · 4.125%
HK$42,816
baseline
▲ 0.50% · 4.625%
HK$45,073
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,632/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,946
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,407
−HK$1,483/mo
Today · 4.125%
HK$49,890
baseline
▲ 0.50% · 4.625%
HK$52,926
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,780/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,227
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,628
−HK$1,421/mo
Today · 4.125%
HK$55,049
baseline
▲ 0.50% · 4.625%
HK$57,951
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,098/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,922 · Scale 2, in force from 26 Feb 2026)