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$25,946
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,754
−HK$820/mo
Today · 4.125%
HK$27,574
baseline
▲ 0.50% · 4.625%
HK$29,251
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,148/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,865
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,639
−HK$786/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,028
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,136
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,104
−HK$984/mo
Today · 4.125%
HK$33,088
baseline
▲ 0.50% · 4.625%
HK$35,102
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,176/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,638
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,567
−HK$943/mo
Today · 4.125%
HK$36,510
baseline
▲ 0.50% · 4.625%
HK$38,434
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,020/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,325
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,455
−HK$1,148/mo
Today · 4.125%
HK$38,603
baseline
▲ 0.50% · 4.625%
HK$40,952
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,206/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,411
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,495
−HK$1,100/mo
Today · 4.125%
HK$42,595
baseline
▲ 0.50% · 4.625%
HK$44,840
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,190/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,704
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,156
−HK$1,476/mo
Today · 4.125%
HK$49,632
baseline
▲ 0.50% · 4.625%
HK$52,652
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,264/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,957
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,351
−HK$1,413/mo
Today · 4.125%
HK$54,764
baseline
▲ 0.50% · 4.625%
HK$57,651
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,528/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,703 · Scale 2, in force from 26 Feb 2026)