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$26,042
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,852
−HK$823/mo
Today · 4.125%
HK$27,675
baseline
▲ 0.50% · 4.625%
HK$29,359
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,350/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,971
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,748
−HK$789/mo
Today · 4.125%
HK$30,537
baseline
▲ 0.50% · 4.625%
HK$32,146
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,074/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,250
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,222
−HK$988/mo
Today · 4.125%
HK$33,210
baseline
▲ 0.50% · 4.625%
HK$35,231
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,420/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,766
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,698
−HK$946/mo
Today · 4.125%
HK$36,644
baseline
▲ 0.50% · 4.625%
HK$38,576
+HK$1,932/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,288/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,459
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,593
−HK$1,152/mo
Today · 4.125%
HK$38,745
baseline
▲ 0.50% · 4.625%
HK$41,103
+HK$2,358/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,490/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,560
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,648
−HK$1,103/mo
Today · 4.125%
HK$42,751
baseline
▲ 0.50% · 4.625%
HK$45,005
+HK$2,254/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,502/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,876
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,334
−HK$1,481/mo
Today · 4.125%
HK$49,815
baseline
▲ 0.50% · 4.625%
HK$52,846
+HK$3,031/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,630/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,149
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,547
−HK$1,419/mo
Today · 4.125%
HK$54,966
baseline
▲ 0.50% · 4.625%
HK$57,863
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,932/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,275 · Scale 2, in force from 26 Feb 2026)