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$26,061
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$823/mo
Today · 4.125%
HK$27,695
baseline
▲ 0.50% · 4.625%
HK$29,380
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,390/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,992
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,770
−HK$789/mo
Today · 4.125%
HK$30,559
baseline
▲ 0.50% · 4.625%
HK$32,170
+HK$1,611/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,118/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,273
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,246
−HK$988/mo
Today · 4.125%
HK$33,234
baseline
▲ 0.50% · 4.625%
HK$35,256
+HK$2,022/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,468/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,791
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,724
−HK$947/mo
Today · 4.125%
HK$36,671
baseline
▲ 0.50% · 4.625%
HK$38,604
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,342/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,485
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,620
−HK$1,153/mo
Today · 4.125%
HK$38,773
baseline
▲ 0.50% · 4.625%
HK$41,132
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,546/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,589
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,678
−HK$1,104/mo
Today · 4.125%
HK$42,782
baseline
▲ 0.50% · 4.625%
HK$45,038
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,564/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,910
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,369
−HK$1,482/mo
Today · 4.125%
HK$49,851
baseline
▲ 0.50% · 4.625%
HK$52,885
+HK$3,034/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,702/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,186
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,586
−HK$1,420/mo
Today · 4.125%
HK$55,006
baseline
▲ 0.50% · 4.625%
HK$57,905
+HK$2,899/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,012/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,585 · Scale 2, in force from 26 Feb 2026)