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$25,928
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,735
−HK$819/mo
Today · 4.125%
HK$27,554
baseline
▲ 0.50% · 4.625%
HK$29,231
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,108/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,845
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,619
−HK$784/mo
Today · 4.125%
HK$30,403
baseline
▲ 0.50% · 4.625%
HK$32,006
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,806/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,114
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,082
−HK$983/mo
Today · 4.125%
HK$33,065
baseline
▲ 0.50% · 4.625%
HK$35,077
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,130/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,614
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,542
−HK$942/mo
Today · 4.125%
HK$36,484
baseline
▲ 0.50% · 4.625%
HK$38,407
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,968/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,300
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,429
−HK$1,147/mo
Today · 4.125%
HK$38,576
baseline
▲ 0.50% · 4.625%
HK$40,923
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,152/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,383
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,466
−HK$1,099/mo
Today · 4.125%
HK$42,565
baseline
▲ 0.50% · 4.625%
HK$44,809
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,130/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,671
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,123
−HK$1,475/mo
Today · 4.125%
HK$49,598
baseline
▲ 0.50% · 4.625%
HK$52,616
+HK$3,018/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,196/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,921
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,314
−HK$1,412/mo
Today · 4.125%
HK$54,726
baseline
▲ 0.50% · 4.625%
HK$57,611
+HK$2,885/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,452/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,406 · Scale 2, in force from 26 Feb 2026)