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$26,035
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,845
−HK$823/mo
Today · 4.125%
HK$27,668
baseline
▲ 0.50% · 4.625%
HK$29,352
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,336/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,964
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,741
−HK$788/mo
Today · 4.125%
HK$30,529
baseline
▲ 0.50% · 4.625%
HK$32,138
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,058/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,243
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,214
−HK$988/mo
Today · 4.125%
HK$33,202
baseline
▲ 0.50% · 4.625%
HK$35,222
+HK$2,020/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,404/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,757
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,689
−HK$946/mo
Today · 4.125%
HK$36,635
baseline
▲ 0.50% · 4.625%
HK$38,566
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,270/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,450
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,583
−HK$1,152/mo
Today · 4.125%
HK$38,735
baseline
▲ 0.50% · 4.625%
HK$41,092
+HK$2,357/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,470/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,550
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,637
−HK$1,104/mo
Today · 4.125%
HK$42,741
baseline
▲ 0.50% · 4.625%
HK$44,994
+HK$2,253/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,482/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,864
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,322
−HK$1,481/mo
Today · 4.125%
HK$49,803
baseline
▲ 0.50% · 4.625%
HK$52,833
+HK$3,030/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,606/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,136
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,534
−HK$1,418/mo
Today · 4.125%
HK$54,952
baseline
▲ 0.50% · 4.625%
HK$57,849
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,904/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,168 · Scale 2, in force from 26 Feb 2026)