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$26,026
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,835
−HK$823/mo
Today · 4.125%
HK$27,658
baseline
▲ 0.50% · 4.625%
HK$29,341
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,316/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$428,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,953
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,730
−HK$788/mo
Today · 4.125%
HK$30,518
baseline
▲ 0.50% · 4.625%
HK$32,126
+HK$1,608/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,036/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$428,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,231
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,202
−HK$987/mo
Today · 4.125%
HK$33,189
baseline
▲ 0.50% · 4.625%
HK$35,209
+HK$2,020/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,378/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,744
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,676
−HK$945/mo
Today · 4.125%
HK$36,621
baseline
▲ 0.50% · 4.625%
HK$38,552
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,242/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,436
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,569
−HK$1,152/mo
Today · 4.125%
HK$38,721
baseline
▲ 0.50% · 4.625%
HK$41,077
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,442/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,535
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,622
−HK$1,103/mo
Today · 4.125%
HK$42,725
baseline
▲ 0.50% · 4.625%
HK$44,977
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,450/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,846
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,304
−HK$1,480/mo
Today · 4.125%
HK$49,784
baseline
▲ 0.50% · 4.625%
HK$52,813
+HK$3,029/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,568/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,116
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,514
−HK$1,418/mo
Today · 4.125%
HK$54,932
baseline
▲ 0.50% · 4.625%
HK$57,827
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,864/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,008 · Scale 2, in force from 26 Feb 2026)