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$26,037
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,847
−HK$823/mo
Today · 4.125%
HK$27,670
baseline
▲ 0.50% · 4.625%
HK$29,353
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,340/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,966
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,743
−HK$788/mo
Today · 4.125%
HK$30,531
baseline
▲ 0.50% · 4.625%
HK$32,140
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,062/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,244
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,216
−HK$987/mo
Today · 4.125%
HK$33,203
baseline
▲ 0.50% · 4.625%
HK$35,224
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,406/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,759
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,691
−HK$946/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,568
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,452
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,585
−HK$1,152/mo
Today · 4.125%
HK$38,737
baseline
▲ 0.50% · 4.625%
HK$41,094
+HK$2,357/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,474/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,552
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,640
−HK$1,103/mo
Today · 4.125%
HK$42,743
baseline
▲ 0.50% · 4.625%
HK$44,996
+HK$2,253/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,486/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,866
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,324
−HK$1,481/mo
Today · 4.125%
HK$49,805
baseline
▲ 0.50% · 4.625%
HK$52,836
+HK$3,031/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,610/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,138
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,537
−HK$1,418/mo
Today · 4.125%
HK$54,955
baseline
▲ 0.50% · 4.625%
HK$57,852
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,910/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,189 · Scale 2, in force from 26 Feb 2026)