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$25,925
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,731
−HK$819/mo
Today · 4.125%
HK$27,550
baseline
▲ 0.50% · 4.625%
HK$29,227
+HK$1,677/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,100/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,841
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,614
−HK$785/mo
Today · 4.125%
HK$30,399
baseline
▲ 0.50% · 4.625%
HK$32,001
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,798/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,110
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,077
−HK$983/mo
Today · 4.125%
HK$33,060
baseline
▲ 0.50% · 4.625%
HK$35,072
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,120/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,609
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,537
−HK$942/mo
Today · 4.125%
HK$36,479
baseline
▲ 0.50% · 4.625%
HK$38,402
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,958/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,294
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,423
−HK$1,147/mo
Today · 4.125%
HK$38,570
baseline
▲ 0.50% · 4.625%
HK$40,917
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,140/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,377
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,460
−HK$1,099/mo
Today · 4.125%
HK$42,559
baseline
▲ 0.50% · 4.625%
HK$44,802
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,118/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,664
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,116
−HK$1,475/mo
Today · 4.125%
HK$49,591
baseline
▲ 0.50% · 4.625%
HK$52,608
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,182/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,914
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,306
−HK$1,412/mo
Today · 4.125%
HK$54,718
baseline
▲ 0.50% · 4.625%
HK$57,603
+HK$2,885/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,436/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,344 · Scale 2, in force from 26 Feb 2026)