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$26,064
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,875
−HK$824/mo
Today · 4.125%
HK$27,699
baseline
▲ 0.50% · 4.625%
HK$29,384
+HK$1,685/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,398/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,996
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,774
−HK$789/mo
Today · 4.125%
HK$30,563
baseline
▲ 0.50% · 4.625%
HK$32,174
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,126/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,277
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,250
−HK$989/mo
Today · 4.125%
HK$33,239
baseline
▲ 0.50% · 4.625%
HK$35,261
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,478/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,796
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,729
−HK$947/mo
Today · 4.125%
HK$36,676
baseline
▲ 0.50% · 4.625%
HK$38,609
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,352/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,490
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,625
−HK$1,153/mo
Today · 4.125%
HK$38,778
baseline
▲ 0.50% · 4.625%
HK$41,138
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,556/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,595
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,684
−HK$1,104/mo
Today · 4.125%
HK$42,788
baseline
▲ 0.50% · 4.625%
HK$45,044
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,576/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,916
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,375
−HK$1,483/mo
Today · 4.125%
HK$49,858
baseline
▲ 0.50% · 4.625%
HK$52,892
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,716/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,193
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,593
−HK$1,420/mo
Today · 4.125%
HK$55,013
baseline
▲ 0.50% · 4.625%
HK$57,913
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,026/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,642 · Scale 2, in force from 26 Feb 2026)