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$25,937
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,744
−HK$820/mo
Today · 4.125%
HK$27,564
baseline
▲ 0.50% · 4.625%
HK$29,241
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,128/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,855
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,629
−HK$785/mo
Today · 4.125%
HK$30,414
baseline
▲ 0.50% · 4.625%
HK$32,017
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,828/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,125
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,093
−HK$983/mo
Today · 4.125%
HK$33,076
baseline
▲ 0.50% · 4.625%
HK$35,089
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,152/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,626
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,554
−HK$943/mo
Today · 4.125%
HK$36,497
baseline
▲ 0.50% · 4.625%
HK$38,420
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,994/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,312
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,442
−HK$1,147/mo
Today · 4.125%
HK$38,589
baseline
▲ 0.50% · 4.625%
HK$40,937
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,178/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,397
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,480
−HK$1,099/mo
Today · 4.125%
HK$42,579
baseline
▲ 0.50% · 4.625%
HK$44,824
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,158/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,687
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,139
−HK$1,476/mo
Today · 4.125%
HK$49,615
baseline
▲ 0.50% · 4.625%
HK$52,634
+HK$3,019/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,230/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,939
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,332
−HK$1,413/mo
Today · 4.125%
HK$54,745
baseline
▲ 0.50% · 4.625%
HK$57,631
+HK$2,886/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,490/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,551 · Scale 2, in force from 26 Feb 2026)