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$25,847
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,651
−HK$817/mo
Today · 4.125%
HK$27,468
baseline
▲ 0.50% · 4.625%
HK$29,140
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,936/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,755
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$783/mo
Today · 4.125%
HK$30,309
baseline
▲ 0.50% · 4.625%
HK$31,906
+HK$1,597/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,618/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,017
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,982
−HK$980/mo
Today · 4.125%
HK$32,962
baseline
▲ 0.50% · 4.625%
HK$34,968
+HK$2,006/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,924/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,506
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,431
−HK$939/mo
Today · 4.125%
HK$36,370
baseline
▲ 0.50% · 4.625%
HK$38,287
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,740/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,186
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,312
−HK$1,144/mo
Today · 4.125%
HK$38,456
baseline
▲ 0.50% · 4.625%
HK$40,795
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,912/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,257
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,337
−HK$1,095/mo
Today · 4.125%
HK$42,432
baseline
▲ 0.50% · 4.625%
HK$44,669
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,864/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,525
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,973
−HK$1,470/mo
Today · 4.125%
HK$49,443
baseline
▲ 0.50% · 4.625%
HK$52,451
+HK$3,008/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,886/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,759
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,147
−HK$1,408/mo
Today · 4.125%
HK$54,555
baseline
▲ 0.50% · 4.625%
HK$57,431
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,110/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,074 · Scale 2, in force from 26 Feb 2026)