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$26,087
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,898
−HK$825/mo
Today · 4.125%
HK$27,723
baseline
▲ 0.50% · 4.625%
HK$29,410
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,446/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,021
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,800
−HK$789/mo
Today · 4.125%
HK$30,589
baseline
▲ 0.50% · 4.625%
HK$32,202
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,178/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,304
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,278
−HK$989/mo
Today · 4.125%
HK$33,267
baseline
▲ 0.50% · 4.625%
HK$35,292
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$66,534/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,826
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,760
−HK$947/mo
Today · 4.125%
HK$36,707
baseline
▲ 0.50% · 4.625%
HK$38,642
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$73,414/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,522
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,658
−HK$1,154/mo
Today · 4.125%
HK$38,812
baseline
▲ 0.50% · 4.625%
HK$41,173
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,624/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,630
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,720
−HK$1,105/mo
Today · 4.125%
HK$42,825
baseline
▲ 0.50% · 4.625%
HK$45,082
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,650/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,956
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,417
−HK$1,484/mo
Today · 4.125%
HK$49,901
baseline
▲ 0.50% · 4.625%
HK$52,937
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,802/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,239
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,640
−HK$1,421/mo
Today · 4.125%
HK$55,061
baseline
▲ 0.50% · 4.625%
HK$57,963
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,122/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,013 · Scale 2, in force from 26 Feb 2026)