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$26,046
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,856
−HK$823/mo
Today · 4.125%
HK$27,679
baseline
▲ 0.50% · 4.625%
HK$29,363
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,358/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,976
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,753
−HK$788/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,151
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,255
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,227
−HK$988/mo
Today · 4.125%
HK$33,215
baseline
▲ 0.50% · 4.625%
HK$35,236
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,430/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,771
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,703
−HK$946/mo
Today · 4.125%
HK$36,649
baseline
▲ 0.50% · 4.625%
HK$38,581
+HK$1,932/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,298/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,464
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,598
−HK$1,153/mo
Today · 4.125%
HK$38,751
baseline
▲ 0.50% · 4.625%
HK$41,108
+HK$2,357/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,502/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,566
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,654
−HK$1,103/mo
Today · 4.125%
HK$42,757
baseline
▲ 0.50% · 4.625%
HK$45,011
+HK$2,254/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,514/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,882
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,340
−HK$1,482/mo
Today · 4.125%
HK$49,822
baseline
▲ 0.50% · 4.625%
HK$52,854
+HK$3,032/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,644/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,156
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,555
−HK$1,419/mo
Today · 4.125%
HK$54,974
baseline
▲ 0.50% · 4.625%
HK$57,872
+HK$2,898/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,948/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,335 · Scale 2, in force from 26 Feb 2026)