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$25,918
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,724
−HK$819/mo
Today · 4.125%
HK$27,543
baseline
▲ 0.50% · 4.625%
HK$29,219
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,086/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,833
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,607
−HK$784/mo
Today · 4.125%
HK$30,391
baseline
▲ 0.50% · 4.625%
HK$31,993
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,782/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,101
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,069
−HK$983/mo
Today · 4.125%
HK$33,052
baseline
▲ 0.50% · 4.625%
HK$35,063
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,104/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,600
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,528
−HK$941/mo
Today · 4.125%
HK$36,469
baseline
▲ 0.50% · 4.625%
HK$38,392
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,938/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,285
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,414
−HK$1,146/mo
Today · 4.125%
HK$38,560
baseline
▲ 0.50% · 4.625%
HK$40,907
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,120/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,367
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,449
−HK$1,099/mo
Today · 4.125%
HK$42,548
baseline
▲ 0.50% · 4.625%
HK$44,790
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,096/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,652
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,103
−HK$1,475/mo
Today · 4.125%
HK$49,578
baseline
▲ 0.50% · 4.625%
HK$52,594
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,156/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,900
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,292
−HK$1,412/mo
Today · 4.125%
HK$54,704
baseline
▲ 0.50% · 4.625%
HK$57,588
+HK$2,884/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,408/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,233 · Scale 2, in force from 26 Feb 2026)