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$25,882
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,687
−HK$818/mo
Today · 4.125%
HK$27,505
baseline
▲ 0.50% · 4.625%
HK$29,179
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,010/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,794
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,566
−HK$783/mo
Today · 4.125%
HK$30,349
baseline
▲ 0.50% · 4.625%
HK$31,949
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,698/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,059
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,025
−HK$981/mo
Today · 4.125%
HK$33,006
baseline
▲ 0.50% · 4.625%
HK$35,015
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,012/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,553
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,479
−HK$940/mo
Today · 4.125%
HK$36,419
baseline
▲ 0.50% · 4.625%
HK$38,339
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,838/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,235
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,362
−HK$1,145/mo
Today · 4.125%
HK$38,507
baseline
▲ 0.50% · 4.625%
HK$40,851
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,014/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,311
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,392
−HK$1,097/mo
Today · 4.125%
HK$42,489
baseline
▲ 0.50% · 4.625%
HK$44,729
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$84,978/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,588
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,037
−HK$1,473/mo
Today · 4.125%
HK$49,510
baseline
▲ 0.50% · 4.625%
HK$52,522
+HK$3,012/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,020/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,829
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,219
−HK$1,410/mo
Today · 4.125%
HK$54,629
baseline
▲ 0.50% · 4.625%
HK$57,509
+HK$2,880/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,258/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,648 · Scale 2, in force from 26 Feb 2026)