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$26,099
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,911
−HK$825/mo
Today · 4.125%
HK$27,736
baseline
▲ 0.50% · 4.625%
HK$29,424
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,472/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,035
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,814
−HK$790/mo
Today · 4.125%
HK$30,604
baseline
▲ 0.50% · 4.625%
HK$32,217
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,208/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,319
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,293
−HK$990/mo
Today · 4.125%
HK$33,283
baseline
▲ 0.50% · 4.625%
HK$35,308
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,566/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,842
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,777
−HK$948/mo
Today · 4.125%
HK$36,725
baseline
▲ 0.50% · 4.625%
HK$38,661
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,450/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,539
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,676
−HK$1,154/mo
Today · 4.125%
HK$38,830
baseline
▲ 0.50% · 4.625%
HK$41,193
+HK$2,363/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,660/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,649
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,740
−HK$1,106/mo
Today · 4.125%
HK$42,846
baseline
▲ 0.50% · 4.625%
HK$45,104
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,692/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,979
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,440
−HK$1,485/mo
Today · 4.125%
HK$49,925
baseline
▲ 0.50% · 4.625%
HK$52,963
+HK$3,038/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,850/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,263
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,665
−HK$1,422/mo
Today · 4.125%
HK$55,087
baseline
▲ 0.50% · 4.625%
HK$57,991
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,174/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,218 · Scale 2, in force from 26 Feb 2026)