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$25,897
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,702
−HK$819/mo
Today · 4.125%
HK$27,521
baseline
▲ 0.50% · 4.625%
HK$29,196
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,042/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,810
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,583
−HK$784/mo
Today · 4.125%
HK$30,367
baseline
▲ 0.50% · 4.625%
HK$31,967
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,734/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,076
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,043
−HK$982/mo
Today · 4.125%
HK$33,025
baseline
▲ 0.50% · 4.625%
HK$35,035
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,050/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,572
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,499
−HK$941/mo
Today · 4.125%
HK$36,440
baseline
▲ 0.50% · 4.625%
HK$38,361
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,880/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,256
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,383
−HK$1,146/mo
Today · 4.125%
HK$38,529
baseline
▲ 0.50% · 4.625%
HK$40,874
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,058/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,334
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,416
−HK$1,097/mo
Today · 4.125%
HK$42,513
baseline
▲ 0.50% · 4.625%
HK$44,754
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,026/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,615
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,064
−HK$1,474/mo
Today · 4.125%
HK$49,538
baseline
▲ 0.50% · 4.625%
HK$52,552
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,076/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,858
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,249
−HK$1,411/mo
Today · 4.125%
HK$54,660
baseline
▲ 0.50% · 4.625%
HK$57,541
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,320/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,889 · Scale 2, in force from 26 Feb 2026)