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$26,065
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,876
−HK$824/mo
Today · 4.125%
HK$27,700
baseline
▲ 0.50% · 4.625%
HK$29,385
+HK$1,685/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,400/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,998
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,775
−HK$789/mo
Today · 4.125%
HK$30,564
baseline
▲ 0.50% · 4.625%
HK$32,175
+HK$1,611/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,128/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,279
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,251
−HK$989/mo
Today · 4.125%
HK$33,240
baseline
▲ 0.50% · 4.625%
HK$35,263
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,480/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,797
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,730
−HK$947/mo
Today · 4.125%
HK$36,677
baseline
▲ 0.50% · 4.625%
HK$38,610
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,354/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,492
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,627
−HK$1,153/mo
Today · 4.125%
HK$38,780
baseline
▲ 0.50% · 4.625%
HK$41,140
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,560/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,597
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,685
−HK$1,105/mo
Today · 4.125%
HK$42,790
baseline
▲ 0.50% · 4.625%
HK$45,045
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,580/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,918
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,377
−HK$1,483/mo
Today · 4.125%
HK$49,860
baseline
▲ 0.50% · 4.625%
HK$52,894
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,720/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,196
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,595
−HK$1,421/mo
Today · 4.125%
HK$55,016
baseline
▲ 0.50% · 4.625%
HK$57,915
+HK$2,899/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,032/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,660 · Scale 2, in force from 26 Feb 2026)