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$26,040
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,850
−HK$823/mo
Today · 4.125%
HK$27,673
baseline
▲ 0.50% · 4.625%
HK$29,357
+HK$1,684/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,346/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,970
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,747
−HK$788/mo
Today · 4.125%
HK$30,535
baseline
▲ 0.50% · 4.625%
HK$32,144
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,070/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,248
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,220
−HK$988/mo
Today · 4.125%
HK$33,208
baseline
▲ 0.50% · 4.625%
HK$35,229
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,416/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,764
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,696
−HK$946/mo
Today · 4.125%
HK$36,642
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,284/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,456
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,590
−HK$1,153/mo
Today · 4.125%
HK$38,743
baseline
▲ 0.50% · 4.625%
HK$41,100
+HK$2,357/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,486/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,557
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,645
−HK$1,104/mo
Today · 4.125%
HK$42,749
baseline
▲ 0.50% · 4.625%
HK$45,002
+HK$2,253/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,498/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,873
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,331
−HK$1,481/mo
Today · 4.125%
HK$49,812
baseline
▲ 0.50% · 4.625%
HK$52,843
+HK$3,031/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,624/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,145
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,544
−HK$1,419/mo
Today · 4.125%
HK$54,963
baseline
▲ 0.50% · 4.625%
HK$57,860
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,926/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,247 · Scale 2, in force from 26 Feb 2026)