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$26,031
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,841
−HK$823/mo
Today · 4.125%
HK$27,664
baseline
▲ 0.50% · 4.625%
HK$29,347
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,328/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,960
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,736
−HK$788/mo
Today · 4.125%
HK$30,524
baseline
▲ 0.50% · 4.625%
HK$32,133
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,048/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,238
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,209
−HK$987/mo
Today · 4.125%
HK$33,196
baseline
▲ 0.50% · 4.625%
HK$35,216
+HK$2,020/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,392/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,751
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,683
−HK$946/mo
Today · 4.125%
HK$36,629
baseline
▲ 0.50% · 4.625%
HK$38,560
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,258/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,444
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,577
−HK$1,152/mo
Today · 4.125%
HK$38,729
baseline
▲ 0.50% · 4.625%
HK$41,086
+HK$2,357/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,458/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,543
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,631
−HK$1,103/mo
Today · 4.125%
HK$42,734
baseline
▲ 0.50% · 4.625%
HK$44,986
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,468/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,856
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,314
−HK$1,481/mo
Today · 4.125%
HK$49,795
baseline
▲ 0.50% · 4.625%
HK$52,824
+HK$3,029/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,590/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,127
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,525
−HK$1,418/mo
Today · 4.125%
HK$54,943
baseline
▲ 0.50% · 4.625%
HK$57,840
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,886/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,098 · Scale 2, in force from 26 Feb 2026)