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$25,964
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,772
−HK$821/mo
Today · 4.125%
HK$27,593
baseline
▲ 0.50% · 4.625%
HK$29,272
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,186/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,885
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,660
−HK$786/mo
Today · 4.125%
HK$30,446
baseline
▲ 0.50% · 4.625%
HK$32,051
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,892/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,157
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,126
−HK$985/mo
Today · 4.125%
HK$33,111
baseline
▲ 0.50% · 4.625%
HK$35,126
+HK$2,015/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,222/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,662
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,592
−HK$943/mo
Today · 4.125%
HK$36,535
baseline
▲ 0.50% · 4.625%
HK$38,461
+HK$1,926/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,070/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,350
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,481
−HK$1,149/mo
Today · 4.125%
HK$38,630
baseline
▲ 0.50% · 4.625%
HK$40,980
+HK$2,350/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,260/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,439
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,524
−HK$1,100/mo
Today · 4.125%
HK$42,624
baseline
▲ 0.50% · 4.625%
HK$44,871
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,248/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,736
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,190
−HK$1,477/mo
Today · 4.125%
HK$49,667
baseline
▲ 0.50% · 4.625%
HK$52,689
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,334/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,993
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,388
−HK$1,414/mo
Today · 4.125%
HK$54,802
baseline
▲ 0.50% · 4.625%
HK$57,691
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,604/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,999 · Scale 2, in force from 26 Feb 2026)