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$26,045
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,855
−HK$824/mo
Today · 4.125%
HK$27,679
baseline
▲ 0.50% · 4.625%
HK$29,363
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,358/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,975
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,752
−HK$789/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,150
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,254
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,227
−HK$987/mo
Today · 4.125%
HK$33,214
baseline
▲ 0.50% · 4.625%
HK$35,235
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,428/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,770
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,703
−HK$946/mo
Today · 4.125%
HK$36,649
baseline
▲ 0.50% · 4.625%
HK$38,580
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,298/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,463
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,598
−HK$1,152/mo
Today · 4.125%
HK$38,750
baseline
▲ 0.50% · 4.625%
HK$41,108
+HK$2,358/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,500/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,565
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,653
−HK$1,104/mo
Today · 4.125%
HK$42,757
baseline
▲ 0.50% · 4.625%
HK$45,011
+HK$2,254/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,514/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,882
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,340
−HK$1,481/mo
Today · 4.125%
HK$49,821
baseline
▲ 0.50% · 4.625%
HK$52,853
+HK$3,032/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,642/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,155
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,554
−HK$1,419/mo
Today · 4.125%
HK$54,973
baseline
▲ 0.50% · 4.625%
HK$57,871
+HK$2,898/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,946/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,329 · Scale 2, in force from 26 Feb 2026)