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$29,414
+HK$1,688/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$429,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,025
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,804
−HK$789/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$429,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,282
−HK$990/mo
Today · 4.125%
HK$33,272
baseline
▲ 0.50% · 4.625%
HK$35,296
+HK$2,024/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,544/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,070 · 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$429,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,526
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,663
−HK$1,154/mo
Today · 4.125%
HK$38,817
baseline
▲ 0.50% · 4.625%
HK$41,179
+HK$2,362/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$429,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,635
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,725
−HK$1,106/mo
Today · 4.125%
HK$42,831
baseline
▲ 0.50% · 4.625%
HK$45,088
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,662/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,963
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,423
−HK$1,485/mo
Today · 4.125%
HK$49,908
baseline
▲ 0.50% · 4.625%
HK$52,944
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,816/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,245
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,647
−HK$1,421/mo
Today · 4.125%
HK$55,068
baseline
▲ 0.50% · 4.625%
HK$57,971
+HK$2,903/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,136/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,070 · Scale 2, in force from 26 Feb 2026)