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$25,914
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,720
−HK$819/mo
Today · 4.125%
HK$27,539
baseline
▲ 0.50% · 4.625%
HK$29,215
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,078/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,829
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,602
−HK$785/mo
Today · 4.125%
HK$30,387
baseline
▲ 0.50% · 4.625%
HK$31,988
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,774/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,097
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,064
−HK$983/mo
Today · 4.125%
HK$33,047
baseline
▲ 0.50% · 4.625%
HK$35,058
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,094/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,595
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,523
−HK$941/mo
Today · 4.125%
HK$36,464
baseline
▲ 0.50% · 4.625%
HK$38,386
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,928/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,280
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,408
−HK$1,147/mo
Today · 4.125%
HK$38,555
baseline
▲ 0.50% · 4.625%
HK$40,901
+HK$2,346/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,110/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,361
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,443
−HK$1,098/mo
Today · 4.125%
HK$42,541
baseline
▲ 0.50% · 4.625%
HK$44,784
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,082/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,645
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,096
−HK$1,474/mo
Today · 4.125%
HK$49,570
baseline
▲ 0.50% · 4.625%
HK$52,587
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,140/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,893
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,284
−HK$1,412/mo
Today · 4.125%
HK$54,696
baseline
▲ 0.50% · 4.625%
HK$57,579
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,392/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,172 · Scale 2, in force from 26 Feb 2026)