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$26,046
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,857
−HK$823/mo
Today · 4.125%
HK$27,680
baseline
▲ 0.50% · 4.625%
HK$29,364
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,360/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,976
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,754
−HK$788/mo
Today · 4.125%
HK$30,542
baseline
▲ 0.50% · 4.625%
HK$32,152
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,084/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,256
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,228
−HK$988/mo
Today · 4.125%
HK$33,216
baseline
▲ 0.50% · 4.625%
HK$35,237
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,432/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,772
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,704
−HK$946/mo
Today · 4.125%
HK$36,650
baseline
▲ 0.50% · 4.625%
HK$38,582
+HK$1,932/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,300/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,465
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,599
−HK$1,153/mo
Today · 4.125%
HK$38,752
baseline
▲ 0.50% · 4.625%
HK$41,110
+HK$2,358/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,504/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,567
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,655
−HK$1,104/mo
Today · 4.125%
HK$42,759
baseline
▲ 0.50% · 4.625%
HK$45,012
+HK$2,253/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,518/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,884
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,342
−HK$1,482/mo
Today · 4.125%
HK$49,824
baseline
▲ 0.50% · 4.625%
HK$52,855
+HK$3,031/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,648/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,157
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,556
−HK$1,419/mo
Today · 4.125%
HK$54,975
baseline
▲ 0.50% · 4.625%
HK$57,873
+HK$2,898/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,950/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,347 · Scale 2, in force from 26 Feb 2026)