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$26,021
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,831
−HK$822/mo
Today · 4.125%
HK$27,653
baseline
▲ 0.50% · 4.625%
HK$29,336
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,306/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,949
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,725
−HK$788/mo
Today · 4.125%
HK$30,513
baseline
▲ 0.50% · 4.625%
HK$32,121
+HK$1,608/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,026/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,226
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,197
−HK$987/mo
Today · 4.125%
HK$33,184
baseline
▲ 0.50% · 4.625%
HK$35,203
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$66,368/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,738
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,670
−HK$945/mo
Today · 4.125%
HK$36,615
baseline
▲ 0.50% · 4.625%
HK$38,545
+HK$1,930/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$73,230/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,430
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,563
−HK$1,151/mo
Today · 4.125%
HK$38,714
baseline
▲ 0.50% · 4.625%
HK$41,070
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,428/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,528
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,615
−HK$1,103/mo
Today · 4.125%
HK$42,718
baseline
▲ 0.50% · 4.625%
HK$44,969
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,436/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,838
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,295
−HK$1,481/mo
Today · 4.125%
HK$49,776
baseline
▲ 0.50% · 4.625%
HK$52,804
+HK$3,028/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,552/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,107
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,505
−HK$1,418/mo
Today · 4.125%
HK$54,923
baseline
▲ 0.50% · 4.625%
HK$57,818
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,846/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,936 · Scale 2, in force from 26 Feb 2026)