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$25,855
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,659
−HK$818/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$29,148
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,764
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,535
−HK$783/mo
Today · 4.125%
HK$30,318
baseline
▲ 0.50% · 4.625%
HK$31,916
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,636/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,026
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,991
−HK$981/mo
Today · 4.125%
HK$32,972
baseline
▲ 0.50% · 4.625%
HK$34,978
+HK$2,006/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,944/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,516
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,442
−HK$939/mo
Today · 4.125%
HK$36,381
baseline
▲ 0.50% · 4.625%
HK$38,299
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,762/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,197
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,323
−HK$1,144/mo
Today · 4.125%
HK$38,467
baseline
▲ 0.50% · 4.625%
HK$40,808
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,934/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,269
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,349
−HK$1,096/mo
Today · 4.125%
HK$42,445
baseline
▲ 0.50% · 4.625%
HK$44,682
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,890/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,539
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,987
−HK$1,471/mo
Today · 4.125%
HK$49,458
baseline
▲ 0.50% · 4.625%
HK$52,467
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,916/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,775
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,163
−HK$1,409/mo
Today · 4.125%
HK$54,572
baseline
▲ 0.50% · 4.625%
HK$57,448
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,144/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,204 · Scale 2, in force from 26 Feb 2026)