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$26,072
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,883
−HK$824/mo
Today · 4.125%
HK$27,707
baseline
▲ 0.50% · 4.625%
HK$29,393
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,414/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,005
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$789/mo
Today · 4.125%
HK$30,572
baseline
▲ 0.50% · 4.625%
HK$32,184
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,144/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,287
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,260
−HK$988/mo
Today · 4.125%
HK$33,248
baseline
▲ 0.50% · 4.625%
HK$35,272
+HK$2,024/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,496/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,806
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,739
−HK$947/mo
Today · 4.125%
HK$36,686
baseline
▲ 0.50% · 4.625%
HK$38,620
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,372/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,501
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,636
−HK$1,154/mo
Today · 4.125%
HK$38,790
baseline
▲ 0.50% · 4.625%
HK$41,150
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,580/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,607
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,696
−HK$1,105/mo
Today · 4.125%
HK$42,801
baseline
▲ 0.50% · 4.625%
HK$45,057
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,602/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,930
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,390
−HK$1,483/mo
Today · 4.125%
HK$49,873
baseline
▲ 0.50% · 4.625%
HK$52,907
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,746/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,209
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,609
−HK$1,421/mo
Today · 4.125%
HK$55,030
baseline
▲ 0.50% · 4.625%
HK$57,930
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,060/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,770 · Scale 2, in force from 26 Feb 2026)