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$26,038
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,848
−HK$823/mo
Today · 4.125%
HK$27,671
baseline
▲ 0.50% · 4.625%
HK$29,355
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,342/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,968
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,744
−HK$789/mo
Today · 4.125%
HK$30,533
baseline
▲ 0.50% · 4.625%
HK$32,142
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,066/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,246
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,218
−HK$988/mo
Today · 4.125%
HK$33,206
baseline
▲ 0.50% · 4.625%
HK$35,226
+HK$2,020/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,412/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,761
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,693
−HK$946/mo
Today · 4.125%
HK$36,639
baseline
▲ 0.50% · 4.625%
HK$38,570
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,278/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,454
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,588
−HK$1,152/mo
Today · 4.125%
HK$38,740
baseline
▲ 0.50% · 4.625%
HK$41,097
+HK$2,357/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,480/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,555
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,642
−HK$1,104/mo
Today · 4.125%
HK$42,746
baseline
▲ 0.50% · 4.625%
HK$44,999
+HK$2,253/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,492/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,869
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,327
−HK$1,481/mo
Today · 4.125%
HK$49,808
baseline
▲ 0.50% · 4.625%
HK$52,839
+HK$3,031/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,616/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,142
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,540
−HK$1,419/mo
Today · 4.125%
HK$54,959
baseline
▲ 0.50% · 4.625%
HK$57,856
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,918/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,217 · Scale 2, in force from 26 Feb 2026)