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$26,062
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$824/mo
Today · 4.125%
HK$27,696
baseline
▲ 0.50% · 4.625%
HK$29,381
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,392/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,993
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,771
−HK$789/mo
Today · 4.125%
HK$30,560
baseline
▲ 0.50% · 4.625%
HK$32,171
+HK$1,611/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,120/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,274
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,247
−HK$988/mo
Today · 4.125%
HK$33,235
baseline
▲ 0.50% · 4.625%
HK$35,258
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,470/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,792
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,725
−HK$947/mo
Today · 4.125%
HK$36,672
baseline
▲ 0.50% · 4.625%
HK$38,605
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,344/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,486
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,621
−HK$1,153/mo
Today · 4.125%
HK$38,774
baseline
▲ 0.50% · 4.625%
HK$41,134
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,548/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,591
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,679
−HK$1,105/mo
Today · 4.125%
HK$42,784
baseline
▲ 0.50% · 4.625%
HK$45,039
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,568/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,911
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,370
−HK$1,483/mo
Today · 4.125%
HK$49,853
baseline
▲ 0.50% · 4.625%
HK$52,886
+HK$3,033/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,706/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,188
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,588
−HK$1,420/mo
Today · 4.125%
HK$55,008
baseline
▲ 0.50% · 4.625%
HK$57,907
+HK$2,899/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,016/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,600 · Scale 2, in force from 26 Feb 2026)