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$1,635/mo
▼ 0.25% · 3.875%
HK$26,870
−HK$824/mo
Today · 4.125%
HK$27,694
baseline
▲ 0.50% · 4.625%
HK$29,379
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,388/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,991
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,768
−HK$789/mo
Today · 4.125%
HK$30,557
baseline
▲ 0.50% · 4.625%
HK$32,168
+HK$1,611/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$428,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,271
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,244
−HK$988/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$428,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,789
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,722
−HK$947/mo
Today · 4.125%
HK$36,669
baseline
▲ 0.50% · 4.625%
HK$38,601
+HK$1,932/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,338/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,483
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,618
−HK$1,153/mo
Today · 4.125%
HK$38,771
baseline
▲ 0.50% · 4.625%
HK$41,130
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,542/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,587
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,676
−HK$1,104/mo
Today · 4.125%
HK$42,780
baseline
▲ 0.50% · 4.625%
HK$45,035
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,560/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,907
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,366
−HK$1,483/mo
Today · 4.125%
HK$49,849
baseline
▲ 0.50% · 4.625%
HK$52,882
+HK$3,033/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,698/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,184
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,583
−HK$1,420/mo
Today · 4.125%
HK$55,003
baseline
▲ 0.50% · 4.625%
HK$57,902
+HK$2,899/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,006/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,562 · Scale 2, in force from 26 Feb 2026)