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$26,063
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,874
−HK$823/mo
Today · 4.125%
HK$27,697
baseline
▲ 0.50% · 4.625%
HK$29,383
+HK$1,686/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,394/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,995
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,772
−HK$789/mo
Today · 4.125%
HK$30,561
baseline
▲ 0.50% · 4.625%
HK$32,172
+HK$1,611/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,122/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,275
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,248
−HK$989/mo
Today · 4.125%
HK$33,237
baseline
▲ 0.50% · 4.625%
HK$35,259
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,474/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,794
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,727
−HK$946/mo
Today · 4.125%
HK$36,673
baseline
▲ 0.50% · 4.625%
HK$38,607
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,346/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,488
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,623
−HK$1,153/mo
Today · 4.125%
HK$38,776
baseline
▲ 0.50% · 4.625%
HK$41,136
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,552/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,593
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,681
−HK$1,105/mo
Today · 4.125%
HK$42,786
baseline
▲ 0.50% · 4.625%
HK$45,041
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,572/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,913
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,372
−HK$1,483/mo
Today · 4.125%
HK$49,855
baseline
▲ 0.50% · 4.625%
HK$52,889
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,710/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,190
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,590
−HK$1,420/mo
Today · 4.125%
HK$55,010
baseline
▲ 0.50% · 4.625%
HK$57,910
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,020/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,618 · Scale 2, in force from 26 Feb 2026)