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$25,960
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,768
−HK$820/mo
Today · 4.125%
HK$27,588
baseline
▲ 0.50% · 4.625%
HK$29,267
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,176/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,881
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,655
−HK$786/mo
Today · 4.125%
HK$30,441
baseline
▲ 0.50% · 4.625%
HK$32,046
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,882/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,152
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,121
−HK$985/mo
Today · 4.125%
HK$33,106
baseline
▲ 0.50% · 4.625%
HK$35,120
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,212/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,657
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,586
−HK$943/mo
Today · 4.125%
HK$36,529
baseline
▲ 0.50% · 4.625%
HK$38,455
+HK$1,926/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,058/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,345
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,475
−HK$1,149/mo
Today · 4.125%
HK$38,624
baseline
▲ 0.50% · 4.625%
HK$40,974
+HK$2,350/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,248/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,433
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,517
−HK$1,100/mo
Today · 4.125%
HK$42,617
baseline
▲ 0.50% · 4.625%
HK$44,864
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,234/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,729
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,182
−HK$1,477/mo
Today · 4.125%
HK$49,659
baseline
▲ 0.50% · 4.625%
HK$52,681
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,318/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,985
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,379
−HK$1,415/mo
Today · 4.125%
HK$54,794
baseline
▲ 0.50% · 4.625%
HK$57,682
+HK$2,888/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,588/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,933 · Scale 2, in force from 26 Feb 2026)