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$25,874
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,679
−HK$818/mo
Today · 4.125%
HK$27,497
baseline
▲ 0.50% · 4.625%
HK$29,170
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,994/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,785
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,557
−HK$783/mo
Today · 4.125%
HK$30,340
baseline
▲ 0.50% · 4.625%
HK$31,939
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,680/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,049
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,015
−HK$981/mo
Today · 4.125%
HK$32,996
baseline
▲ 0.50% · 4.625%
HK$35,004
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,992/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,542
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,468
−HK$940/mo
Today · 4.125%
HK$36,408
baseline
▲ 0.50% · 4.625%
HK$38,327
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,816/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,224
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,350
−HK$1,145/mo
Today · 4.125%
HK$38,495
baseline
▲ 0.50% · 4.625%
HK$40,838
+HK$2,343/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,990/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,298
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,379
−HK$1,097/mo
Today · 4.125%
HK$42,476
baseline
▲ 0.50% · 4.625%
HK$44,715
+HK$2,239/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,952/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,573
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,022
−HK$1,472/mo
Today · 4.125%
HK$49,494
baseline
▲ 0.50% · 4.625%
HK$52,505
+HK$3,011/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,988/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,812
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,202
−HK$1,410/mo
Today · 4.125%
HK$54,612
baseline
▲ 0.50% · 4.625%
HK$57,490
+HK$2,878/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,224/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,513 · Scale 2, in force from 26 Feb 2026)