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$25,877
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,682
−HK$817/mo
Today · 4.125%
HK$27,499
baseline
▲ 0.50% · 4.625%
HK$29,173
+HK$1,674/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,998/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,788
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,560
−HK$783/mo
Today · 4.125%
HK$30,343
baseline
▲ 0.50% · 4.625%
HK$31,942
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,686/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,052
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,018
−HK$981/mo
Today · 4.125%
HK$32,999
baseline
▲ 0.50% · 4.625%
HK$35,007
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,998/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,545
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,472
−HK$940/mo
Today · 4.125%
HK$36,412
baseline
▲ 0.50% · 4.625%
HK$38,331
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,824/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,227
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,354
−HK$1,145/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,842
+HK$2,343/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,303
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,384
−HK$1,096/mo
Today · 4.125%
HK$42,480
baseline
▲ 0.50% · 4.625%
HK$44,719
+HK$2,239/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,960/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,578
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,027
−HK$1,472/mo
Today · 4.125%
HK$49,499
baseline
▲ 0.50% · 4.625%
HK$52,511
+HK$3,012/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,998/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,818
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,207
−HK$1,410/mo
Today · 4.125%
HK$54,617
baseline
▲ 0.50% · 4.625%
HK$57,496
+HK$2,879/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,234/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,557 · Scale 2, in force from 26 Feb 2026)