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$25,907
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,713
−HK$819/mo
Today · 4.125%
HK$27,532
baseline
▲ 0.50% · 4.625%
HK$29,207
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,064/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,822
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,595
−HK$784/mo
Today · 4.125%
HK$30,379
baseline
▲ 0.50% · 4.625%
HK$31,980
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,758/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,089
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,056
−HK$982/mo
Today · 4.125%
HK$33,038
baseline
▲ 0.50% · 4.625%
HK$35,049
+HK$2,011/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,076/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,586
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,513
−HK$941/mo
Today · 4.125%
HK$36,454
baseline
▲ 0.50% · 4.625%
HK$38,376
+HK$1,922/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,908/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,270
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,398
−HK$1,147/mo
Today · 4.125%
HK$38,545
baseline
▲ 0.50% · 4.625%
HK$40,890
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,090/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,350
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,432
−HK$1,098/mo
Today · 4.125%
HK$42,530
baseline
▲ 0.50% · 4.625%
HK$44,772
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,060/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,633
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,084
−HK$1,473/mo
Today · 4.125%
HK$49,557
baseline
▲ 0.50% · 4.625%
HK$52,573
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,114/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,879
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,270
−HK$1,412/mo
Today · 4.125%
HK$54,682
baseline
▲ 0.50% · 4.625%
HK$57,564
+HK$2,882/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,364/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,058 · Scale 2, in force from 26 Feb 2026)