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$26,028
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,838
−HK$823/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,344
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,956
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,733
−HK$788/mo
Today · 4.125%
HK$30,521
baseline
▲ 0.50% · 4.625%
HK$32,130
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,042/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,234
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,206
−HK$987/mo
Today · 4.125%
HK$33,193
baseline
▲ 0.50% · 4.625%
HK$35,212
+HK$2,019/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,386/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,748
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,680
−HK$945/mo
Today · 4.125%
HK$36,625
baseline
▲ 0.50% · 4.625%
HK$38,556
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,250/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,440
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,573
−HK$1,152/mo
Today · 4.125%
HK$38,725
baseline
▲ 0.50% · 4.625%
HK$41,081
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,450/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,539
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,626
−HK$1,103/mo
Today · 4.125%
HK$42,729
baseline
▲ 0.50% · 4.625%
HK$44,981
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,458/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,851
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,309
−HK$1,480/mo
Today · 4.125%
HK$49,789
baseline
▲ 0.50% · 4.625%
HK$52,819
+HK$3,030/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,578/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,121
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,519
−HK$1,418/mo
Today · 4.125%
HK$54,937
baseline
▲ 0.50% · 4.625%
HK$57,833
+HK$2,896/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,874/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,052 · Scale 2, in force from 26 Feb 2026)