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$25,940
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$820/mo
Today · 4.125%
HK$27,567
baseline
▲ 0.50% · 4.625%
HK$29,244
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,134/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,858
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,632
−HK$785/mo
Today · 4.125%
HK$30,417
baseline
▲ 0.50% · 4.625%
HK$32,020
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,834/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,128
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,096
−HK$984/mo
Today · 4.125%
HK$33,080
baseline
▲ 0.50% · 4.625%
HK$35,093
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,160/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,629
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,558
−HK$942/mo
Today · 4.125%
HK$36,500
baseline
▲ 0.50% · 4.625%
HK$38,424
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,000/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,316
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,445
−HK$1,148/mo
Today · 4.125%
HK$38,593
baseline
▲ 0.50% · 4.625%
HK$40,941
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,186/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,401
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,485
−HK$1,099/mo
Today · 4.125%
HK$42,584
baseline
▲ 0.50% · 4.625%
HK$44,828
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,168/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,692
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,144
−HK$1,476/mo
Today · 4.125%
HK$49,620
baseline
▲ 0.50% · 4.625%
HK$52,639
+HK$3,019/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,240/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,944
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,337
−HK$1,413/mo
Today · 4.125%
HK$54,750
baseline
▲ 0.50% · 4.625%
HK$57,636
+HK$2,886/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,500/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,595 · Scale 2, in force from 26 Feb 2026)