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$26,054
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,865
−HK$823/mo
Today · 4.125%
HK$27,688
baseline
▲ 0.50% · 4.625%
HK$29,373
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,376/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,985
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,762
−HK$789/mo
Today · 4.125%
HK$30,551
baseline
▲ 0.50% · 4.625%
HK$32,161
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,102/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,265
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,238
−HK$988/mo
Today · 4.125%
HK$33,226
baseline
▲ 0.50% · 4.625%
HK$35,247
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,452/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,782
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,715
−HK$946/mo
Today · 4.125%
HK$36,661
baseline
▲ 0.50% · 4.625%
HK$38,594
+HK$1,933/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,322/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,476
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,611
−HK$1,152/mo
Today · 4.125%
HK$38,763
baseline
▲ 0.50% · 4.625%
HK$41,122
+HK$2,359/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,526/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,579
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,667
−HK$1,105/mo
Today · 4.125%
HK$42,772
baseline
▲ 0.50% · 4.625%
HK$45,026
+HK$2,254/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,544/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,898
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,356
−HK$1,483/mo
Today · 4.125%
HK$49,839
baseline
▲ 0.50% · 4.625%
HK$52,871
+HK$3,032/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,678/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,173
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,572
−HK$1,420/mo
Today · 4.125%
HK$54,992
baseline
▲ 0.50% · 4.625%
HK$57,891
+HK$2,899/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,984/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,477 · Scale 2, in force from 26 Feb 2026)