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$26,023
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,832
−HK$822/mo
Today · 4.125%
HK$27,654
baseline
▲ 0.50% · 4.625%
HK$29,337
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,308/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,950
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,726
−HK$788/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,122
+HK$1,608/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,028/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,227
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,198
−HK$987/mo
Today · 4.125%
HK$33,185
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$66,370/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,740
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,671
−HK$946/mo
Today · 4.125%
HK$36,617
baseline
▲ 0.50% · 4.625%
HK$38,547
+HK$1,930/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$73,234/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,432
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,565
−HK$1,151/mo
Today · 4.125%
HK$38,716
baseline
▲ 0.50% · 4.625%
HK$41,072
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,432/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,530
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,617
−HK$1,102/mo
Today · 4.125%
HK$42,719
baseline
▲ 0.50% · 4.625%
HK$44,971
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,438/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,841
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,298
−HK$1,480/mo
Today · 4.125%
HK$49,778
baseline
▲ 0.50% · 4.625%
HK$52,807
+HK$3,029/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,556/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,110
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,507
−HK$1,418/mo
Today · 4.125%
HK$54,925
baseline
▲ 0.50% · 4.625%
HK$57,820
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,850/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,955 · Scale 2, in force from 26 Feb 2026)