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$29,356
+HK$1,683/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$428,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,969
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,746
−HK$788/mo
Today · 4.125%
HK$30,534
baseline
▲ 0.50% · 4.625%
HK$32,143
+HK$1,609/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,068/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,248
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,219
−HK$988/mo
Today · 4.125%
HK$33,207
baseline
▲ 0.50% · 4.625%
HK$35,228
+HK$2,021/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,414/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,763
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,695
−HK$946/mo
Today · 4.125%
HK$36,641
baseline
▲ 0.50% · 4.625%
HK$38,572
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,282/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,455
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,589
−HK$1,153/mo
Today · 4.125%
HK$38,742
baseline
▲ 0.50% · 4.625%
HK$41,099
+HK$2,357/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,484/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,556
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,644
−HK$1,103/mo
Today · 4.125%
HK$42,747
baseline
▲ 0.50% · 4.625%
HK$45,001
+HK$2,254/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,494/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,871
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,329
−HK$1,482/mo
Today · 4.125%
HK$49,811
baseline
▲ 0.50% · 4.625%
HK$52,841
+HK$3,030/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,622/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,144
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,542
−HK$1,419/mo
Today · 4.125%
HK$54,961
baseline
▲ 0.50% · 4.625%
HK$57,858
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,922/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,235 · Scale 2, in force from 26 Feb 2026)