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$25,966
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,773
−HK$821/mo
Today · 4.125%
HK$27,594
baseline
▲ 0.50% · 4.625%
HK$29,273
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,188/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,886
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,661
−HK$786/mo
Today · 4.125%
HK$30,447
baseline
▲ 0.50% · 4.625%
HK$32,052
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,894/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,159
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,128
−HK$985/mo
Today · 4.125%
HK$33,113
baseline
▲ 0.50% · 4.625%
HK$35,127
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,226/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,664
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,593
−HK$944/mo
Today · 4.125%
HK$36,537
baseline
▲ 0.50% · 4.625%
HK$38,462
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,074/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,352
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,483
−HK$1,148/mo
Today · 4.125%
HK$38,631
baseline
▲ 0.50% · 4.625%
HK$40,982
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,262/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,441
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,526
−HK$1,100/mo
Today · 4.125%
HK$42,626
baseline
▲ 0.50% · 4.625%
HK$44,873
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,252/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,738
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,192
−HK$1,477/mo
Today · 4.125%
HK$49,669
baseline
▲ 0.50% · 4.625%
HK$52,691
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,338/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,996
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,390
−HK$1,415/mo
Today · 4.125%
HK$54,805
baseline
▲ 0.50% · 4.625%
HK$57,694
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,610/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,018 · Scale 2, in force from 26 Feb 2026)