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$26,085
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,896
−HK$824/mo
Today · 4.125%
HK$27,720
baseline
▲ 0.50% · 4.625%
HK$29,407
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,440/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,019
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,797
−HK$790/mo
Today · 4.125%
HK$30,587
baseline
▲ 0.50% · 4.625%
HK$32,199
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,174/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,302
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,275
−HK$990/mo
Today · 4.125%
HK$33,265
baseline
▲ 0.50% · 4.625%
HK$35,289
+HK$2,024/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$66,530/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,823
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,757
−HK$947/mo
Today · 4.125%
HK$36,704
baseline
▲ 0.50% · 4.625%
HK$38,639
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$73,408/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,519
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,654
−HK$1,155/mo
Today · 4.125%
HK$38,809
baseline
▲ 0.50% · 4.625%
HK$41,170
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,618/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,627
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,716
−HK$1,105/mo
Today · 4.125%
HK$42,821
baseline
▲ 0.50% · 4.625%
HK$45,079
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,642/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,952
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,413
−HK$1,484/mo
Today · 4.125%
HK$49,897
baseline
▲ 0.50% · 4.625%
HK$52,933
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,794/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,234
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,635
−HK$1,421/mo
Today · 4.125%
HK$55,056
baseline
▲ 0.50% · 4.625%
HK$57,958
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,112/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,977 · Scale 2, in force from 26 Feb 2026)