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$26,060
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,871
−HK$823/mo
Today · 4.125%
HK$27,694
baseline
▲ 0.50% · 4.625%
HK$29,379
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,388/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,992
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,769
−HK$789/mo
Today · 4.125%
HK$30,558
baseline
▲ 0.50% · 4.625%
HK$32,169
+HK$1,611/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,116/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,272
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,245
−HK$988/mo
Today · 4.125%
HK$33,233
baseline
▲ 0.50% · 4.625%
HK$35,255
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,466/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,790
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,723
−HK$946/mo
Today · 4.125%
HK$36,669
baseline
▲ 0.50% · 4.625%
HK$38,602
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,338/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,484
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,619
−HK$1,153/mo
Today · 4.125%
HK$38,772
baseline
▲ 0.50% · 4.625%
HK$41,131
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,544/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,588
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,677
−HK$1,104/mo
Today · 4.125%
HK$42,781
baseline
▲ 0.50% · 4.625%
HK$45,036
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,562/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,908
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,367
−HK$1,483/mo
Today · 4.125%
HK$49,850
baseline
▲ 0.50% · 4.625%
HK$52,883
+HK$3,033/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,700/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,185
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,584
−HK$1,420/mo
Today · 4.125%
HK$55,004
baseline
▲ 0.50% · 4.625%
HK$57,904
+HK$2,900/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,008/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,572 · Scale 2, in force from 26 Feb 2026)