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$26,055
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,866
−HK$823/mo
Today · 4.125%
HK$27,689
baseline
▲ 0.50% · 4.625%
HK$29,374
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,378/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,986
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,764
−HK$788/mo
Today · 4.125%
HK$30,552
baseline
▲ 0.50% · 4.625%
HK$32,163
+HK$1,611/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,104/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,266
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,239
−HK$988/mo
Today · 4.125%
HK$33,227
baseline
▲ 0.50% · 4.625%
HK$35,249
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,454/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,783
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,716
−HK$947/mo
Today · 4.125%
HK$36,663
baseline
▲ 0.50% · 4.625%
HK$38,595
+HK$1,932/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,326/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,477
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,612
−HK$1,153/mo
Today · 4.125%
HK$38,765
baseline
▲ 0.50% · 4.625%
HK$41,124
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,530/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,581
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,669
−HK$1,104/mo
Today · 4.125%
HK$42,773
baseline
▲ 0.50% · 4.625%
HK$45,028
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,546/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,899
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,358
−HK$1,482/mo
Today · 4.125%
HK$49,840
baseline
▲ 0.50% · 4.625%
HK$52,873
+HK$3,033/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,680/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,175
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,574
−HK$1,420/mo
Today · 4.125%
HK$54,994
baseline
▲ 0.50% · 4.625%
HK$57,893
+HK$2,899/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,988/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,493 · Scale 2, in force from 26 Feb 2026)