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$26,042
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,852
−HK$823/mo
Today · 4.125%
HK$27,675
baseline
▲ 0.50% · 4.625%
HK$29,359
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,350/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,972
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,749
−HK$788/mo
Today · 4.125%
HK$30,537
baseline
▲ 0.50% · 4.625%
HK$32,147
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,074/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,251
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,223
−HK$987/mo
Today · 4.125%
HK$33,210
baseline
▲ 0.50% · 4.625%
HK$35,231
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,420/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,766
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,698
−HK$946/mo
Today · 4.125%
HK$36,644
baseline
▲ 0.50% · 4.625%
HK$38,576
+HK$1,932/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,288/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,459
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,593
−HK$1,152/mo
Today · 4.125%
HK$38,745
baseline
▲ 0.50% · 4.625%
HK$41,103
+HK$2,358/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,490/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,560
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,648
−HK$1,104/mo
Today · 4.125%
HK$42,752
baseline
▲ 0.50% · 4.625%
HK$45,005
+HK$2,253/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,504/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,876
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,334
−HK$1,481/mo
Today · 4.125%
HK$49,815
baseline
▲ 0.50% · 4.625%
HK$52,847
+HK$3,032/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,630/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,149
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,548
−HK$1,418/mo
Today · 4.125%
HK$54,966
baseline
▲ 0.50% · 4.625%
HK$57,864
+HK$2,898/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,932/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,277 · Scale 2, in force from 26 Feb 2026)