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$1,632/mo
▼ 0.25% · 3.875%
HK$26,837
−HK$823/mo
Today · 4.125%
HK$27,660
baseline
▲ 0.50% · 4.625%
HK$29,343
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,320/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,955
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,732
−HK$788/mo
Today · 4.125%
HK$30,520
baseline
▲ 0.50% · 4.625%
HK$32,128
+HK$1,608/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,040/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,233
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,205
−HK$987/mo
Today · 4.125%
HK$33,192
baseline
▲ 0.50% · 4.625%
HK$35,211
+HK$2,019/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,384/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,746
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,678
−HK$946/mo
Today · 4.125%
HK$36,624
baseline
▲ 0.50% · 4.625%
HK$38,554
+HK$1,930/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,248/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,439
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,572
−HK$1,152/mo
Today · 4.125%
HK$38,724
baseline
▲ 0.50% · 4.625%
HK$41,080
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,448/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,538
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,625
−HK$1,103/mo
Today · 4.125%
HK$42,728
baseline
▲ 0.50% · 4.625%
HK$44,980
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,456/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,850
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,307
−HK$1,480/mo
Today · 4.125%
HK$49,787
baseline
▲ 0.50% · 4.625%
HK$52,817
+HK$3,030/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,574/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,120
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,517
−HK$1,419/mo
Today · 4.125%
HK$54,936
baseline
▲ 0.50% · 4.625%
HK$57,831
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,872/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,037 · Scale 2, in force from 26 Feb 2026)