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$26,051
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,861
−HK$823/mo
Today · 4.125%
HK$27,684
baseline
▲ 0.50% · 4.625%
HK$29,369
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,368/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,981
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$789/mo
Today · 4.125%
HK$30,547
baseline
▲ 0.50% · 4.625%
HK$32,157
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,094/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,261
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,233
−HK$988/mo
Today · 4.125%
HK$33,221
baseline
▲ 0.50% · 4.625%
HK$35,243
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,442/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,777
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,710
−HK$946/mo
Today · 4.125%
HK$36,656
baseline
▲ 0.50% · 4.625%
HK$38,588
+HK$1,932/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,312/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,471
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,605
−HK$1,153/mo
Today · 4.125%
HK$38,758
baseline
▲ 0.50% · 4.625%
HK$41,116
+HK$2,358/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,516/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,574
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,662
−HK$1,104/mo
Today · 4.125%
HK$42,766
baseline
▲ 0.50% · 4.625%
HK$45,020
+HK$2,254/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,532/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,891
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,350
−HK$1,482/mo
Today · 4.125%
HK$49,832
baseline
▲ 0.50% · 4.625%
HK$52,864
+HK$3,032/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,664/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,166
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,565
−HK$1,419/mo
Today · 4.125%
HK$54,984
baseline
▲ 0.50% · 4.625%
HK$57,883
+HK$2,899/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,968/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,417 · Scale 2, in force from 26 Feb 2026)