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$25,893
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,698
−HK$819/mo
Today · 4.125%
HK$27,517
baseline
▲ 0.50% · 4.625%
HK$29,191
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,034/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,806
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,578
−HK$784/mo
Today · 4.125%
HK$30,362
baseline
▲ 0.50% · 4.625%
HK$31,962
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,724/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,071
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,038
−HK$982/mo
Today · 4.125%
HK$33,020
baseline
▲ 0.50% · 4.625%
HK$35,029
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,040/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,567
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,494
−HK$940/mo
Today · 4.125%
HK$36,434
baseline
▲ 0.50% · 4.625%
HK$38,355
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,868/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,250
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,378
−HK$1,145/mo
Today · 4.125%
HK$38,523
baseline
▲ 0.50% · 4.625%
HK$40,867
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,046/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,328
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,409
−HK$1,098/mo
Today · 4.125%
HK$42,507
baseline
▲ 0.50% · 4.625%
HK$44,747
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,014/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,607
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,057
−HK$1,473/mo
Today · 4.125%
HK$49,530
baseline
▲ 0.50% · 4.625%
HK$52,544
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,060/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,850
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,241
−HK$1,410/mo
Today · 4.125%
HK$54,651
baseline
▲ 0.50% · 4.625%
HK$57,532
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,302/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,822 · Scale 2, in force from 26 Feb 2026)