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$26,047
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,858
−HK$823/mo
Today · 4.125%
HK$27,681
baseline
▲ 0.50% · 4.625%
HK$29,365
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,362/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,978
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,755
−HK$788/mo
Today · 4.125%
HK$30,543
baseline
▲ 0.50% · 4.625%
HK$32,153
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,086/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,257
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,229
−HK$988/mo
Today · 4.125%
HK$33,217
baseline
▲ 0.50% · 4.625%
HK$35,238
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,434/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,773
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,706
−HK$946/mo
Today · 4.125%
HK$36,652
baseline
▲ 0.50% · 4.625%
HK$38,584
+HK$1,932/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,304/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,466
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,601
−HK$1,152/mo
Today · 4.125%
HK$38,753
baseline
▲ 0.50% · 4.625%
HK$41,111
+HK$2,358/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,506/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,569
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,657
−HK$1,103/mo
Today · 4.125%
HK$42,760
baseline
▲ 0.50% · 4.625%
HK$45,014
+HK$2,254/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,520/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,885
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,344
−HK$1,482/mo
Today · 4.125%
HK$49,826
baseline
▲ 0.50% · 4.625%
HK$52,857
+HK$3,031/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,652/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,160
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,558
−HK$1,420/mo
Today · 4.125%
HK$54,978
baseline
▲ 0.50% · 4.625%
HK$57,876
+HK$2,898/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,956/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,364 · Scale 2, in force from 26 Feb 2026)