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$25,952
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,759
−HK$820/mo
Today · 4.125%
HK$27,579
baseline
▲ 0.50% · 4.625%
HK$29,257
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,158/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,871
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,645
−HK$786/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,035
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,142
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,111
−HK$984/mo
Today · 4.125%
HK$33,095
baseline
▲ 0.50% · 4.625%
HK$35,109
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,190/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,645
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,575
−HK$942/mo
Today · 4.125%
HK$36,517
baseline
▲ 0.50% · 4.625%
HK$38,442
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,034/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,333
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,463
−HK$1,148/mo
Today · 4.125%
HK$38,611
baseline
▲ 0.50% · 4.625%
HK$40,960
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,222/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,420
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,504
−HK$1,099/mo
Today · 4.125%
HK$42,603
baseline
▲ 0.50% · 4.625%
HK$44,849
+HK$2,246/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,206/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,713
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,166
−HK$1,477/mo
Today · 4.125%
HK$49,643
baseline
▲ 0.50% · 4.625%
HK$52,663
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,286/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,968
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,362
−HK$1,414/mo
Today · 4.125%
HK$54,776
baseline
▲ 0.50% · 4.625%
HK$57,663
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,552/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,792 · Scale 2, in force from 26 Feb 2026)