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$26,043
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,853
−HK$823/mo
Today · 4.125%
HK$27,676
baseline
▲ 0.50% · 4.625%
HK$29,360
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,352/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,973
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,750
−HK$788/mo
Today · 4.125%
HK$30,538
baseline
▲ 0.50% · 4.625%
HK$32,148
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,076/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,252
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,224
−HK$987/mo
Today · 4.125%
HK$33,211
baseline
▲ 0.50% · 4.625%
HK$35,232
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,422/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,767
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,700
−HK$946/mo
Today · 4.125%
HK$36,646
baseline
▲ 0.50% · 4.625%
HK$38,577
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,292/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,460
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,594
−HK$1,153/mo
Today · 4.125%
HK$38,747
baseline
▲ 0.50% · 4.625%
HK$41,104
+HK$2,357/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,494/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,562
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,650
−HK$1,103/mo
Today · 4.125%
HK$42,753
baseline
▲ 0.50% · 4.625%
HK$45,007
+HK$2,254/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,506/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,878
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,336
−HK$1,481/mo
Today · 4.125%
HK$49,817
baseline
▲ 0.50% · 4.625%
HK$52,848
+HK$3,031/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,634/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,151
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,549
−HK$1,419/mo
Today · 4.125%
HK$54,968
baseline
▲ 0.50% · 4.625%
HK$57,866
+HK$2,898/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,936/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,293 · Scale 2, in force from 26 Feb 2026)