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$26,076
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,887
−HK$824/mo
Today · 4.125%
HK$27,711
baseline
▲ 0.50% · 4.625%
HK$29,397
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,422/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,009
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,787
−HK$789/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,188
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,291
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,264
−HK$989/mo
Today · 4.125%
HK$33,253
baseline
▲ 0.50% · 4.625%
HK$35,276
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,506/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,811
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,744
−HK$947/mo
Today · 4.125%
HK$36,691
baseline
▲ 0.50% · 4.625%
HK$38,625
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,382/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,506
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,641
−HK$1,154/mo
Today · 4.125%
HK$38,795
baseline
▲ 0.50% · 4.625%
HK$41,156
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,590/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,612
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,702
−HK$1,105/mo
Today · 4.125%
HK$42,807
baseline
▲ 0.50% · 4.625%
HK$45,063
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,614/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,936
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,396
−HK$1,483/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,914
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,216
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,616
−HK$1,421/mo
Today · 4.125%
HK$55,037
baseline
▲ 0.50% · 4.625%
HK$57,938
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,074/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,828 · Scale 2, in force from 26 Feb 2026)