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$1,631/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$822/mo
Today · 4.125%
HK$27,652
baseline
▲ 0.50% · 4.625%
HK$29,335
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,304/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,948
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,724
−HK$788/mo
Today · 4.125%
HK$30,512
baseline
▲ 0.50% · 4.625%
HK$32,120
+HK$1,608/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,024/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,225
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,196
−HK$987/mo
Today · 4.125%
HK$33,183
baseline
▲ 0.50% · 4.625%
HK$35,202
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$66,366/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,737
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,669
−HK$945/mo
Today · 4.125%
HK$36,614
baseline
▲ 0.50% · 4.625%
HK$38,544
+HK$1,930/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$73,228/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,429
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,562
−HK$1,151/mo
Today · 4.125%
HK$38,713
baseline
▲ 0.50% · 4.625%
HK$41,069
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,426/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,527
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,614
−HK$1,102/mo
Today · 4.125%
HK$42,716
baseline
▲ 0.50% · 4.625%
HK$44,968
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,432/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,837
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,294
−HK$1,480/mo
Today · 4.125%
HK$49,774
baseline
▲ 0.50% · 4.625%
HK$52,803
+HK$3,029/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,548/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,106
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,503
−HK$1,418/mo
Today · 4.125%
HK$54,921
baseline
▲ 0.50% · 4.625%
HK$57,816
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,842/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,923 · Scale 2, in force from 26 Feb 2026)