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$26,032
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,842
−HK$823/mo
Today · 4.125%
HK$27,665
baseline
▲ 0.50% · 4.625%
HK$29,348
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,330/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,961
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,737
−HK$788/mo
Today · 4.125%
HK$30,525
baseline
▲ 0.50% · 4.625%
HK$32,134
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,050/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,239
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,210
−HK$988/mo
Today · 4.125%
HK$33,198
baseline
▲ 0.50% · 4.625%
HK$35,218
+HK$2,020/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,396/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,753
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,685
−HK$945/mo
Today · 4.125%
HK$36,630
baseline
▲ 0.50% · 4.625%
HK$38,561
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,260/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$428,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,445
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,579
−HK$1,152/mo
Today · 4.125%
HK$38,731
baseline
▲ 0.50% · 4.625%
HK$41,087
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,462/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,545
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,632
−HK$1,103/mo
Today · 4.125%
HK$42,735
baseline
▲ 0.50% · 4.625%
HK$44,988
+HK$2,253/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,470/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,858
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,316
−HK$1,480/mo
Today · 4.125%
HK$49,796
baseline
▲ 0.50% · 4.625%
HK$52,826
+HK$3,030/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,592/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,129
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,527
−HK$1,418/mo
Today · 4.125%
HK$54,945
baseline
▲ 0.50% · 4.625%
HK$57,842
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,890/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,114 · Scale 2, in force from 26 Feb 2026)