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$26,020
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,829
−HK$822/mo
Today · 4.125%
HK$27,651
baseline
▲ 0.50% · 4.625%
HK$29,334
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,302/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,946
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,723
−HK$787/mo
Today · 4.125%
HK$30,510
baseline
▲ 0.50% · 4.625%
HK$32,119
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,020/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,223
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,195
−HK$986/mo
Today · 4.125%
HK$33,181
baseline
▲ 0.50% · 4.625%
HK$35,200
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$66,362/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,736
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,667
−HK$945/mo
Today · 4.125%
HK$36,612
baseline
▲ 0.50% · 4.625%
HK$38,542
+HK$1,930/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$73,224/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,427
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,560
−HK$1,152/mo
Today · 4.125%
HK$38,712
baseline
▲ 0.50% · 4.625%
HK$41,067
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,424/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,525
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,612
−HK$1,102/mo
Today · 4.125%
HK$42,714
baseline
▲ 0.50% · 4.625%
HK$44,966
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,428/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,835
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,292
−HK$1,480/mo
Today · 4.125%
HK$49,772
baseline
▲ 0.50% · 4.625%
HK$52,801
+HK$3,029/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,544/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,104
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,501
−HK$1,418/mo
Today · 4.125%
HK$54,919
baseline
▲ 0.50% · 4.625%
HK$57,813
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,838/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,905 · Scale 2, in force from 26 Feb 2026)