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$26,022
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,832
−HK$822/mo
Today · 4.125%
HK$27,654
baseline
▲ 0.50% · 4.625%
HK$29,337
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,308/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,950
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,726
−HK$788/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,122
+HK$1,608/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,028/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,227
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,198
−HK$987/mo
Today · 4.125%
HK$33,185
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$66,370/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,740
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,671
−HK$945/mo
Today · 4.125%
HK$36,616
baseline
▲ 0.50% · 4.625%
HK$38,547
+HK$1,931/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$73,232/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,431
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,565
−HK$1,151/mo
Today · 4.125%
HK$38,716
baseline
▲ 0.50% · 4.625%
HK$41,072
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,432/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,530
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,616
−HK$1,103/mo
Today · 4.125%
HK$42,719
baseline
▲ 0.50% · 4.625%
HK$44,971
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,438/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,840
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,297
−HK$1,481/mo
Today · 4.125%
HK$49,778
baseline
▲ 0.50% · 4.625%
HK$52,806
+HK$3,028/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,556/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,109
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,507
−HK$1,418/mo
Today · 4.125%
HK$54,925
baseline
▲ 0.50% · 4.625%
HK$57,820
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,850/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,952 · Scale 2, in force from 26 Feb 2026)