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$26,054
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,864
−HK$823/mo
Today · 4.125%
HK$27,687
baseline
▲ 0.50% · 4.625%
HK$29,372
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,374/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,984
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,762
−HK$788/mo
Today · 4.125%
HK$30,550
baseline
▲ 0.50% · 4.625%
HK$32,161
+HK$1,611/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,100/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,264
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,237
−HK$988/mo
Today · 4.125%
HK$33,225
baseline
▲ 0.50% · 4.625%
HK$35,247
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,450/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,781
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,714
−HK$946/mo
Today · 4.125%
HK$36,660
baseline
▲ 0.50% · 4.625%
HK$38,593
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,320/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,475
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,610
−HK$1,152/mo
Today · 4.125%
HK$38,762
baseline
▲ 0.50% · 4.625%
HK$41,121
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,524/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,578
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,666
−HK$1,104/mo
Today · 4.125%
HK$42,770
baseline
▲ 0.50% · 4.625%
HK$45,025
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,540/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,897
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,355
−HK$1,482/mo
Today · 4.125%
HK$49,837
baseline
▲ 0.50% · 4.625%
HK$52,870
+HK$3,033/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,674/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,172
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,571
−HK$1,420/mo
Today · 4.125%
HK$54,991
baseline
▲ 0.50% · 4.625%
HK$57,889
+HK$2,898/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,982/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,466 · Scale 2, in force from 26 Feb 2026)