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$26,090
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,902
−HK$824/mo
Today · 4.125%
HK$27,726
baseline
▲ 0.50% · 4.625%
HK$29,413
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,452/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,025
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,803
−HK$790/mo
Today · 4.125%
HK$30,593
baseline
▲ 0.50% · 4.625%
HK$32,206
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,186/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,282
−HK$989/mo
Today · 4.125%
HK$33,271
baseline
▲ 0.50% · 4.625%
HK$35,296
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,542/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,830
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,764
−HK$948/mo
Today · 4.125%
HK$36,712
baseline
▲ 0.50% · 4.625%
HK$38,647
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,424/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,526
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,662
−HK$1,155/mo
Today · 4.125%
HK$38,817
baseline
▲ 0.50% · 4.625%
HK$41,178
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,634/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,635
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,725
−HK$1,105/mo
Today · 4.125%
HK$42,830
baseline
▲ 0.50% · 4.625%
HK$45,088
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,660/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,962
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,423
−HK$1,484/mo
Today · 4.125%
HK$49,907
baseline
▲ 0.50% · 4.625%
HK$52,944
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,814/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,245
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,646
−HK$1,421/mo
Today · 4.125%
HK$55,067
baseline
▲ 0.50% · 4.625%
HK$57,970
+HK$2,903/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,134/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,065 · Scale 2, in force from 26 Feb 2026)