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$25,942
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$820/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,247
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$786/mo
Today · 4.125%
HK$30,420
baseline
▲ 0.50% · 4.625%
HK$32,023
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,840/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,131
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,099
−HK$984/mo
Today · 4.125%
HK$33,083
baseline
▲ 0.50% · 4.625%
HK$35,096
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,166/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,633
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,561
−HK$943/mo
Today · 4.125%
HK$36,504
baseline
▲ 0.50% · 4.625%
HK$38,428
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,008/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,319
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$1,148/mo
Today · 4.125%
HK$38,597
baseline
▲ 0.50% · 4.625%
HK$40,945
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,194/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,405
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,488
−HK$1,100/mo
Today · 4.125%
HK$42,588
baseline
▲ 0.50% · 4.625%
HK$44,832
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,176/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,696
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,148
−HK$1,476/mo
Today · 4.125%
HK$49,624
baseline
▲ 0.50% · 4.625%
HK$52,644
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,248/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,949
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,342
−HK$1,413/mo
Today · 4.125%
HK$54,755
baseline
▲ 0.50% · 4.625%
HK$57,642
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,510/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,633 · Scale 2, in force from 26 Feb 2026)