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$25,870
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,675
−HK$817/mo
Today · 4.125%
HK$27,492
baseline
▲ 0.50% · 4.625%
HK$29,165
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,984/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,780
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,552
−HK$783/mo
Today · 4.125%
HK$30,335
baseline
▲ 0.50% · 4.625%
HK$31,934
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,670/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,044
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,009
−HK$982/mo
Today · 4.125%
HK$32,991
baseline
▲ 0.50% · 4.625%
HK$34,998
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,982/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,536
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,462
−HK$940/mo
Today · 4.125%
HK$36,402
baseline
▲ 0.50% · 4.625%
HK$38,321
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,804/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,218
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,344
−HK$1,145/mo
Today · 4.125%
HK$38,489
baseline
▲ 0.50% · 4.625%
HK$40,831
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,978/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,292
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,373
−HK$1,096/mo
Today · 4.125%
HK$42,469
baseline
▲ 0.50% · 4.625%
HK$44,707
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,938/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,566
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,014
−HK$1,472/mo
Today · 4.125%
HK$49,486
baseline
▲ 0.50% · 4.625%
HK$52,497
+HK$3,011/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,972/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,804
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,193
−HK$1,410/mo
Today · 4.125%
HK$54,603
baseline
▲ 0.50% · 4.625%
HK$57,481
+HK$2,878/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,206/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,444 · Scale 2, in force from 26 Feb 2026)