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$1,634/mo
▼ 0.25% · 3.875%
HK$26,875
−HK$823/mo
Today · 4.125%
HK$27,698
baseline
▲ 0.50% · 4.625%
HK$29,384
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,396/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,996
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,774
−HK$788/mo
Today · 4.125%
HK$30,562
baseline
▲ 0.50% · 4.625%
HK$32,173
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,124/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,277
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,250
−HK$988/mo
Today · 4.125%
HK$33,238
baseline
▲ 0.50% · 4.625%
HK$35,260
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,476/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,795
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,728
−HK$947/mo
Today · 4.125%
HK$36,675
baseline
▲ 0.50% · 4.625%
HK$38,608
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,350/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,489
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,625
−HK$1,153/mo
Today · 4.125%
HK$38,778
baseline
▲ 0.50% · 4.625%
HK$41,137
+HK$2,359/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$428,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,594
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,683
−HK$1,104/mo
Today · 4.125%
HK$42,787
baseline
▲ 0.50% · 4.625%
HK$45,043
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,574/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,915
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,374
−HK$1,483/mo
Today · 4.125%
HK$49,857
baseline
▲ 0.50% · 4.625%
HK$52,891
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,714/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,193
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,592
−HK$1,420/mo
Today · 4.125%
HK$55,012
baseline
▲ 0.50% · 4.625%
HK$57,912
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,024/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,635 · Scale 2, in force from 26 Feb 2026)