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$26,029
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,839
−HK$822/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,344
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,957
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,734
−HK$787/mo
Today · 4.125%
HK$30,521
baseline
▲ 0.50% · 4.625%
HK$32,130
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,042/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,235
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,206
−HK$987/mo
Today · 4.125%
HK$33,193
baseline
▲ 0.50% · 4.625%
HK$35,213
+HK$2,020/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,386/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,748
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,680
−HK$946/mo
Today · 4.125%
HK$36,626
baseline
▲ 0.50% · 4.625%
HK$38,556
+HK$1,930/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,252/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,441
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,574
−HK$1,152/mo
Today · 4.125%
HK$38,726
baseline
▲ 0.50% · 4.625%
HK$41,082
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,452/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,540
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,627
−HK$1,103/mo
Today · 4.125%
HK$42,730
baseline
▲ 0.50% · 4.625%
HK$44,982
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,460/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,852
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,310
−HK$1,480/mo
Today · 4.125%
HK$49,790
baseline
▲ 0.50% · 4.625%
HK$52,820
+HK$3,030/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,580/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,123
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,520
−HK$1,419/mo
Today · 4.125%
HK$54,939
baseline
▲ 0.50% · 4.625%
HK$57,835
+HK$2,896/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,878/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,061 · Scale 2, in force from 26 Feb 2026)