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$25,934
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,741
−HK$820/mo
Today · 4.125%
HK$27,561
baseline
▲ 0.50% · 4.625%
HK$29,238
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,122/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,852
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$785/mo
Today · 4.125%
HK$30,410
baseline
▲ 0.50% · 4.625%
HK$32,013
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,820/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,121
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,089
−HK$984/mo
Today · 4.125%
HK$33,073
baseline
▲ 0.50% · 4.625%
HK$35,085
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,146/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,622
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,551
−HK$942/mo
Today · 4.125%
HK$36,493
baseline
▲ 0.50% · 4.625%
HK$38,416
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,986/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,308
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,437
−HK$1,148/mo
Today · 4.125%
HK$38,585
baseline
▲ 0.50% · 4.625%
HK$40,933
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,170/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,392
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,476
−HK$1,099/mo
Today · 4.125%
HK$42,575
baseline
▲ 0.50% · 4.625%
HK$44,819
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,150/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,682
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,134
−HK$1,475/mo
Today · 4.125%
HK$49,609
baseline
▲ 0.50% · 4.625%
HK$52,628
+HK$3,019/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,218/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,933
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,326
−HK$1,413/mo
Today · 4.125%
HK$54,739
baseline
▲ 0.50% · 4.625%
HK$57,624
+HK$2,885/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,478/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,504 · Scale 2, in force from 26 Feb 2026)