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$26,049
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,859
−HK$823/mo
Today · 4.125%
HK$27,682
baseline
▲ 0.50% · 4.625%
HK$29,367
+HK$1,685/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,364/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,979
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,756
−HK$789/mo
Today · 4.125%
HK$30,545
baseline
▲ 0.50% · 4.625%
HK$32,155
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,090/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,259
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,231
−HK$988/mo
Today · 4.125%
HK$33,219
baseline
▲ 0.50% · 4.625%
HK$35,240
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,438/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,775
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,707
−HK$947/mo
Today · 4.125%
HK$36,654
baseline
▲ 0.50% · 4.625%
HK$38,586
+HK$1,932/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,308/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,468
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,603
−HK$1,152/mo
Today · 4.125%
HK$38,755
baseline
▲ 0.50% · 4.625%
HK$41,113
+HK$2,358/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,510/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,571
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,659
−HK$1,103/mo
Today · 4.125%
HK$42,762
baseline
▲ 0.50% · 4.625%
HK$45,017
+HK$2,255/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,524/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,888
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,346
−HK$1,482/mo
Today · 4.125%
HK$49,828
baseline
▲ 0.50% · 4.625%
HK$52,860
+HK$3,032/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,656/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,162
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,561
−HK$1,419/mo
Today · 4.125%
HK$54,980
baseline
▲ 0.50% · 4.625%
HK$57,878
+HK$2,898/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,960/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,386 · Scale 2, in force from 26 Feb 2026)