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$25,847
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,651
−HK$817/mo
Today · 4.125%
HK$27,468
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,936/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,755
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$782/mo
Today · 4.125%
HK$30,308
baseline
▲ 0.50% · 4.625%
HK$31,906
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,616/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,017
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,981
−HK$981/mo
Today · 4.125%
HK$32,962
baseline
▲ 0.50% · 4.625%
HK$34,967
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,924/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,506
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,431
−HK$939/mo
Today · 4.125%
HK$36,370
baseline
▲ 0.50% · 4.625%
HK$38,287
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,740/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,186
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,312
−HK$1,143/mo
Today · 4.125%
HK$38,455
baseline
▲ 0.50% · 4.625%
HK$40,795
+HK$2,340/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,910/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,257
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,336
−HK$1,096/mo
Today · 4.125%
HK$42,432
baseline
▲ 0.50% · 4.625%
HK$44,668
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,864/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,525
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,972
−HK$1,470/mo
Today · 4.125%
HK$49,442
baseline
▲ 0.50% · 4.625%
HK$52,451
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,884/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,759
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,147
−HK$1,408/mo
Today · 4.125%
HK$54,555
baseline
▲ 0.50% · 4.625%
HK$57,431
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,110/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,071 · Scale 2, in force from 26 Feb 2026)