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$25,930
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,737
−HK$819/mo
Today · 4.125%
HK$27,556
baseline
▲ 0.50% · 4.625%
HK$29,233
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,112/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,847
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,621
−HK$784/mo
Today · 4.125%
HK$30,405
baseline
▲ 0.50% · 4.625%
HK$32,008
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,810/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,116
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,084
−HK$983/mo
Today · 4.125%
HK$33,067
baseline
▲ 0.50% · 4.625%
HK$35,079
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,134/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,616
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,545
−HK$941/mo
Today · 4.125%
HK$36,486
baseline
▲ 0.50% · 4.625%
HK$38,410
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,972/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,302
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,431
−HK$1,147/mo
Today · 4.125%
HK$38,578
baseline
▲ 0.50% · 4.625%
HK$40,926
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,156/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,386
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,469
−HK$1,098/mo
Today · 4.125%
HK$42,567
baseline
▲ 0.50% · 4.625%
HK$44,811
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,134/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,674
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,126
−HK$1,475/mo
Today · 4.125%
HK$49,601
baseline
▲ 0.50% · 4.625%
HK$52,619
+HK$3,018/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,202/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,924
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,317
−HK$1,413/mo
Today · 4.125%
HK$54,730
baseline
▲ 0.50% · 4.625%
HK$57,615
+HK$2,885/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,460/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,432 · Scale 2, in force from 26 Feb 2026)