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$25,921
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,727
−HK$819/mo
Today · 4.125%
HK$27,546
baseline
▲ 0.50% · 4.625%
HK$29,222
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,092/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,836
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,610
−HK$784/mo
Today · 4.125%
HK$30,394
baseline
▲ 0.50% · 4.625%
HK$31,996
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,788/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,105
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,072
−HK$983/mo
Today · 4.125%
HK$33,055
baseline
▲ 0.50% · 4.625%
HK$35,067
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,110/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,604
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,532
−HK$941/mo
Today · 4.125%
HK$36,473
baseline
▲ 0.50% · 4.625%
HK$38,396
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,946/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,289
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,418
−HK$1,146/mo
Today · 4.125%
HK$38,564
baseline
▲ 0.50% · 4.625%
HK$40,911
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,128/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,371
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,454
−HK$1,098/mo
Today · 4.125%
HK$42,552
baseline
▲ 0.50% · 4.625%
HK$44,795
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,104/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,657
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,108
−HK$1,475/mo
Today · 4.125%
HK$49,583
baseline
▲ 0.50% · 4.625%
HK$52,600
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,166/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,905
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,297
−HK$1,413/mo
Today · 4.125%
HK$54,710
baseline
▲ 0.50% · 4.625%
HK$57,594
+HK$2,884/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,420/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,277 · Scale 2, in force from 26 Feb 2026)