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$26,092
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,904
−HK$824/mo
Today · 4.125%
HK$27,728
baseline
▲ 0.50% · 4.625%
HK$29,415
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,456/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,027
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,806
−HK$789/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,208
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,310
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,284
−HK$990/mo
Today · 4.125%
HK$33,274
baseline
▲ 0.50% · 4.625%
HK$35,299
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,548/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,833
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,767
−HK$947/mo
Today · 4.125%
HK$36,714
baseline
▲ 0.50% · 4.625%
HK$38,650
+HK$1,936/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,428/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,529
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,665
−HK$1,155/mo
Today · 4.125%
HK$38,820
baseline
▲ 0.50% · 4.625%
HK$41,182
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,640/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,638
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,728
−HK$1,106/mo
Today · 4.125%
HK$42,834
baseline
▲ 0.50% · 4.625%
HK$45,091
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,668/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,966
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,427
−HK$1,484/mo
Today · 4.125%
HK$49,911
baseline
▲ 0.50% · 4.625%
HK$52,948
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,822/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,249
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,650
−HK$1,422/mo
Today · 4.125%
HK$55,072
baseline
▲ 0.50% · 4.625%
HK$57,975
+HK$2,903/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,144/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,098 · Scale 2, in force from 26 Feb 2026)