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$26,058
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,868
−HK$824/mo
Today · 4.125%
HK$27,692
baseline
▲ 0.50% · 4.625%
HK$29,377
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,384/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,989
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,766
−HK$789/mo
Today · 4.125%
HK$30,555
baseline
▲ 0.50% · 4.625%
HK$32,166
+HK$1,611/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,110/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,269
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$988/mo
Today · 4.125%
HK$33,230
baseline
▲ 0.50% · 4.625%
HK$35,252
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,460/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,787
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,720
−HK$946/mo
Today · 4.125%
HK$36,666
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,332/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,481
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,615
−HK$1,153/mo
Today · 4.125%
HK$38,768
baseline
▲ 0.50% · 4.625%
HK$41,127
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,536/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,584
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,673
−HK$1,104/mo
Today · 4.125%
HK$42,777
baseline
▲ 0.50% · 4.625%
HK$45,032
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,554/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,904
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,363
−HK$1,482/mo
Today · 4.125%
HK$49,845
baseline
▲ 0.50% · 4.625%
HK$52,878
+HK$3,033/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,690/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,180
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,579
−HK$1,420/mo
Today · 4.125%
HK$54,999
baseline
▲ 0.50% · 4.625%
HK$57,898
+HK$2,899/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,998/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,532 · Scale 2, in force from 26 Feb 2026)