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$26,094
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,906
−HK$825/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,418
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,030
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,808
−HK$790/mo
Today · 4.125%
HK$30,598
baseline
▲ 0.50% · 4.625%
HK$32,211
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,196/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,313
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,287
−HK$990/mo
Today · 4.125%
HK$33,277
baseline
▲ 0.50% · 4.625%
HK$35,302
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,554/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,836
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,770
−HK$948/mo
Today · 4.125%
HK$36,718
baseline
▲ 0.50% · 4.625%
HK$38,653
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,436/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,532
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,668
−HK$1,155/mo
Today · 4.125%
HK$38,823
baseline
▲ 0.50% · 4.625%
HK$41,185
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,646/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,641
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,731
−HK$1,106/mo
Today · 4.125%
HK$42,837
baseline
▲ 0.50% · 4.625%
HK$45,095
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,674/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,970
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,431
−HK$1,484/mo
Today · 4.125%
HK$49,915
baseline
▲ 0.50% · 4.625%
HK$52,952
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,830/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,253
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,655
−HK$1,421/mo
Today · 4.125%
HK$55,076
baseline
▲ 0.50% · 4.625%
HK$57,980
+HK$2,904/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,152/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,135 · Scale 2, in force from 26 Feb 2026)