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$26,099
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,910
−HK$825/mo
Today · 4.125%
HK$27,735
baseline
▲ 0.50% · 4.625%
HK$29,423
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,470/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,034
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,813
−HK$790/mo
Today · 4.125%
HK$30,603
baseline
▲ 0.50% · 4.625%
HK$32,216
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,206/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,318
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,293
−HK$989/mo
Today · 4.125%
HK$33,282
baseline
▲ 0.50% · 4.625%
HK$35,307
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,564/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,841
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,776
−HK$948/mo
Today · 4.125%
HK$36,724
baseline
▲ 0.50% · 4.625%
HK$38,659
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,448/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,538
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,675
−HK$1,154/mo
Today · 4.125%
HK$38,829
baseline
▲ 0.50% · 4.625%
HK$41,192
+HK$2,363/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,658/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,648
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,738
−HK$1,106/mo
Today · 4.125%
HK$42,844
baseline
▲ 0.50% · 4.625%
HK$45,103
+HK$2,259/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,688/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,977
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,439
−HK$1,484/mo
Today · 4.125%
HK$49,923
baseline
▲ 0.50% · 4.625%
HK$52,961
+HK$3,038/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,846/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,262
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,664
−HK$1,422/mo
Today · 4.125%
HK$55,086
baseline
▲ 0.50% · 4.625%
HK$57,989
+HK$2,903/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,172/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,206 · Scale 2, in force from 26 Feb 2026)