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$25,903
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,709
−HK$818/mo
Today · 4.125%
HK$27,527
baseline
▲ 0.50% · 4.625%
HK$29,202
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,054/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$425,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,817
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,589
−HK$784/mo
Today · 4.125%
HK$30,373
baseline
▲ 0.50% · 4.625%
HK$31,974
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,746/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$425,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,083
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,050
−HK$983/mo
Today · 4.125%
HK$33,033
baseline
▲ 0.50% · 4.625%
HK$35,042
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,066/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,580
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,507
−HK$941/mo
Today · 4.125%
HK$36,448
baseline
▲ 0.50% · 4.625%
HK$38,369
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,896/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,264
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,392
−HK$1,146/mo
Today · 4.125%
HK$38,538
baseline
▲ 0.50% · 4.625%
HK$40,883
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,076/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,343
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,425
−HK$1,098/mo
Today · 4.125%
HK$42,523
baseline
▲ 0.50% · 4.625%
HK$44,764
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,046/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,625
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,075
−HK$1,474/mo
Today · 4.125%
HK$49,549
baseline
▲ 0.50% · 4.625%
HK$52,564
+HK$3,015/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,098/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,870
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,261
−HK$1,411/mo
Today · 4.125%
HK$54,672
baseline
▲ 0.50% · 4.625%
HK$57,554
+HK$2,882/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,344/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,985 · Scale 2, in force from 26 Feb 2026)