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$26,059
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,870
−HK$823/mo
Today · 4.125%
HK$27,693
baseline
▲ 0.50% · 4.625%
HK$29,378
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,386/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,990
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,768
−HK$789/mo
Today · 4.125%
HK$30,557
baseline
▲ 0.50% · 4.625%
HK$32,167
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,114/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,271
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,243
−HK$989/mo
Today · 4.125%
HK$33,232
baseline
▲ 0.50% · 4.625%
HK$35,254
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,464/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,788
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,721
−HK$947/mo
Today · 4.125%
HK$36,668
baseline
▲ 0.50% · 4.625%
HK$38,601
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,336/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,483
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,617
−HK$1,153/mo
Today · 4.125%
HK$38,770
baseline
▲ 0.50% · 4.625%
HK$41,129
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,540/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,587
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,675
−HK$1,104/mo
Today · 4.125%
HK$42,779
baseline
▲ 0.50% · 4.625%
HK$45,034
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,558/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,906
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,365
−HK$1,483/mo
Today · 4.125%
HK$49,848
baseline
▲ 0.50% · 4.625%
HK$52,881
+HK$3,033/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,696/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,183
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,582
−HK$1,420/mo
Today · 4.125%
HK$55,002
baseline
▲ 0.50% · 4.625%
HK$57,901
+HK$2,899/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,004/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,554 · Scale 2, in force from 26 Feb 2026)