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$26,018
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$822/mo
Today · 4.125%
HK$27,650
baseline
▲ 0.50% · 4.625%
HK$29,333
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,300/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,945
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,722
−HK$787/mo
Today · 4.125%
HK$30,509
baseline
▲ 0.50% · 4.625%
HK$32,117
+HK$1,608/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,018/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,222
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,193
−HK$987/mo
Today · 4.125%
HK$33,180
baseline
▲ 0.50% · 4.625%
HK$35,199
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$66,360/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,734
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,666
−HK$945/mo
Today · 4.125%
HK$36,611
baseline
▲ 0.50% · 4.625%
HK$38,541
+HK$1,930/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$73,222/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,426
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,559
−HK$1,151/mo
Today · 4.125%
HK$38,710
baseline
▲ 0.50% · 4.625%
HK$41,066
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,420/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,523
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,610
−HK$1,103/mo
Today · 4.125%
HK$42,713
baseline
▲ 0.50% · 4.625%
HK$44,964
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,426/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,833
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,290
−HK$1,480/mo
Today · 4.125%
HK$49,770
baseline
▲ 0.50% · 4.625%
HK$52,799
+HK$3,029/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,540/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,102
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,499
−HK$1,417/mo
Today · 4.125%
HK$54,916
baseline
▲ 0.50% · 4.625%
HK$57,811
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,832/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,888 · Scale 2, in force from 26 Feb 2026)