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$26,024
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,833
−HK$823/mo
Today · 4.125%
HK$27,656
baseline
▲ 0.50% · 4.625%
HK$29,338
+HK$1,682/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,312/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,951
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,728
−HK$787/mo
Today · 4.125%
HK$30,515
baseline
▲ 0.50% · 4.625%
HK$32,124
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,030/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,229
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,200
−HK$987/mo
Today · 4.125%
HK$33,187
baseline
▲ 0.50% · 4.625%
HK$35,206
+HK$2,019/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,374/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,741
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,673
−HK$945/mo
Today · 4.125%
HK$36,618
baseline
▲ 0.50% · 4.625%
HK$38,549
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,236/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,433
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,567
−HK$1,151/mo
Today · 4.125%
HK$38,718
baseline
▲ 0.50% · 4.625%
HK$41,074
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,436/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,532
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,619
−HK$1,102/mo
Today · 4.125%
HK$42,721
baseline
▲ 0.50% · 4.625%
HK$44,973
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,442/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,843
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,300
−HK$1,480/mo
Today · 4.125%
HK$49,780
baseline
▲ 0.50% · 4.625%
HK$52,809
+HK$3,029/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,560/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,112
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,510
−HK$1,418/mo
Today · 4.125%
HK$54,928
baseline
▲ 0.50% · 4.625%
HK$57,823
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,856/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,975 · Scale 2, in force from 26 Feb 2026)