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$26,044
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,854
−HK$823/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,361
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,300 · 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$428,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,252
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,224
−HK$988/mo
Today · 4.125%
HK$33,212
baseline
▲ 0.50% · 4.625%
HK$35,233
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,424/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,768
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,700
−HK$946/mo
Today · 4.125%
HK$36,646
baseline
▲ 0.50% · 4.625%
HK$38,578
+HK$1,932/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$428,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,595
−HK$1,152/mo
Today · 4.125%
HK$38,747
baseline
▲ 0.50% · 4.625%
HK$41,105
+HK$2,358/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$428,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,562
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,650
−HK$1,104/mo
Today · 4.125%
HK$42,754
baseline
▲ 0.50% · 4.625%
HK$45,007
+HK$2,253/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,508/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,878
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,337
−HK$1,481/mo
Today · 4.125%
HK$49,818
baseline
▲ 0.50% · 4.625%
HK$52,849
+HK$3,031/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,636/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,152
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,550
−HK$1,419/mo
Today · 4.125%
HK$54,969
baseline
▲ 0.50% · 4.625%
HK$57,867
+HK$2,898/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,938/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,300 · Scale 2, in force from 26 Feb 2026)