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$25,958
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,765
−HK$820/mo
Today · 4.125%
HK$27,585
baseline
▲ 0.50% · 4.625%
HK$29,264
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,170/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,878
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,652
−HK$786/mo
Today · 4.125%
HK$30,438
baseline
▲ 0.50% · 4.625%
HK$32,042
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,876/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,149
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,118
−HK$985/mo
Today · 4.125%
HK$33,103
baseline
▲ 0.50% · 4.625%
HK$35,117
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,206/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,653
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,583
−HK$942/mo
Today · 4.125%
HK$36,525
baseline
▲ 0.50% · 4.625%
HK$38,451
+HK$1,926/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,050/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,341
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,471
−HK$1,149/mo
Today · 4.125%
HK$38,620
baseline
▲ 0.50% · 4.625%
HK$40,969
+HK$2,349/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,240/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,429
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,513
−HK$1,100/mo
Today · 4.125%
HK$42,613
baseline
▲ 0.50% · 4.625%
HK$44,859
+HK$2,246/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,226/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,724
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,177
−HK$1,477/mo
Today · 4.125%
HK$49,654
baseline
▲ 0.50% · 4.625%
HK$52,675
+HK$3,021/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,308/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,980
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,374
−HK$1,414/mo
Today · 4.125%
HK$54,788
baseline
▲ 0.50% · 4.625%
HK$57,676
+HK$2,888/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,576/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,887 · Scale 2, in force from 26 Feb 2026)