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$26,057
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,867
−HK$824/mo
Today · 4.125%
HK$27,691
baseline
▲ 0.50% · 4.625%
HK$29,375
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,382/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,988
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,765
−HK$789/mo
Today · 4.125%
HK$30,554
baseline
▲ 0.50% · 4.625%
HK$32,164
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,108/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,268
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,241
−HK$988/mo
Today · 4.125%
HK$33,229
baseline
▲ 0.50% · 4.625%
HK$35,251
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,458/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,785
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,718
−HK$947/mo
Today · 4.125%
HK$36,665
baseline
▲ 0.50% · 4.625%
HK$38,597
+HK$1,932/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,330/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,479
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,614
−HK$1,153/mo
Today · 4.125%
HK$38,767
baseline
▲ 0.50% · 4.625%
HK$41,126
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,534/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,583
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,671
−HK$1,104/mo
Today · 4.125%
HK$42,775
baseline
▲ 0.50% · 4.625%
HK$45,030
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,550/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,902
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,361
−HK$1,482/mo
Today · 4.125%
HK$49,843
baseline
▲ 0.50% · 4.625%
HK$52,876
+HK$3,033/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,686/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,178
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,577
−HK$1,420/mo
Today · 4.125%
HK$54,997
baseline
▲ 0.50% · 4.625%
HK$57,896
+HK$2,899/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,994/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,514 · Scale 2, in force from 26 Feb 2026)