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$26,038
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,847
−HK$823/mo
Today · 4.125%
HK$27,670
baseline
▲ 0.50% · 4.625%
HK$29,354
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,340/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,967
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,743
−HK$789/mo
Today · 4.125%
HK$30,532
baseline
▲ 0.50% · 4.625%
HK$32,141
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,064/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,245
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,217
−HK$987/mo
Today · 4.125%
HK$33,204
baseline
▲ 0.50% · 4.625%
HK$35,225
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,408/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,760
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,692
−HK$946/mo
Today · 4.125%
HK$36,638
baseline
▲ 0.50% · 4.625%
HK$38,569
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,276/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,453
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,586
−HK$1,153/mo
Today · 4.125%
HK$38,739
baseline
▲ 0.50% · 4.625%
HK$41,096
+HK$2,357/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,478/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,553
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,641
−HK$1,103/mo
Today · 4.125%
HK$42,744
baseline
▲ 0.50% · 4.625%
HK$44,997
+HK$2,253/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,488/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,868
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,325
−HK$1,482/mo
Today · 4.125%
HK$49,807
baseline
▲ 0.50% · 4.625%
HK$52,837
+HK$3,030/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,614/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,140
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,538
−HK$1,419/mo
Today · 4.125%
HK$54,957
baseline
▲ 0.50% · 4.625%
HK$57,854
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,914/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,202 · Scale 2, in force from 26 Feb 2026)