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$26,089
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,901
−HK$824/mo
Today · 4.125%
HK$27,725
baseline
▲ 0.50% · 4.625%
HK$29,412
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,450/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,024
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,802
−HK$790/mo
Today · 4.125%
HK$30,592
baseline
▲ 0.50% · 4.625%
HK$32,205
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,184/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,307
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,281
−HK$989/mo
Today · 4.125%
HK$33,270
baseline
▲ 0.50% · 4.625%
HK$35,295
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$66,540/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,829
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,763
−HK$947/mo
Today · 4.125%
HK$36,710
baseline
▲ 0.50% · 4.625%
HK$38,646
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$73,420/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,525
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,661
−HK$1,154/mo
Today · 4.125%
HK$38,815
baseline
▲ 0.50% · 4.625%
HK$41,177
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,630/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,634
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,723
−HK$1,106/mo
Today · 4.125%
HK$42,829
baseline
▲ 0.50% · 4.625%
HK$45,086
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,658/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,961
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,421
−HK$1,484/mo
Today · 4.125%
HK$49,905
baseline
▲ 0.50% · 4.625%
HK$52,942
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,810/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,243
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,644
−HK$1,422/mo
Today · 4.125%
HK$55,066
baseline
▲ 0.50% · 4.625%
HK$57,968
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,132/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,051 · Scale 2, in force from 26 Feb 2026)