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$26,030
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,839
−HK$823/mo
Today · 4.125%
HK$27,662
baseline
▲ 0.50% · 4.625%
HK$29,345
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,324/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,958
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,734
−HK$788/mo
Today · 4.125%
HK$30,522
baseline
▲ 0.50% · 4.625%
HK$32,131
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,044/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,236
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,207
−HK$987/mo
Today · 4.125%
HK$33,194
baseline
▲ 0.50% · 4.625%
HK$35,214
+HK$2,020/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,388/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,749
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,681
−HK$946/mo
Today · 4.125%
HK$36,627
baseline
▲ 0.50% · 4.625%
HK$38,557
+HK$1,930/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,254/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,442
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,575
−HK$1,152/mo
Today · 4.125%
HK$38,727
baseline
▲ 0.50% · 4.625%
HK$41,083
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,454/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,541
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,628
−HK$1,103/mo
Today · 4.125%
HK$42,731
baseline
▲ 0.50% · 4.625%
HK$44,984
+HK$2,253/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,462/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,853
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,311
−HK$1,481/mo
Today · 4.125%
HK$49,792
baseline
▲ 0.50% · 4.625%
HK$52,821
+HK$3,029/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,584/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,124
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,522
−HK$1,418/mo
Today · 4.125%
HK$54,940
baseline
▲ 0.50% · 4.625%
HK$57,836
+HK$2,896/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,880/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,072 · Scale 2, in force from 26 Feb 2026)