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$25,872
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,676
−HK$818/mo
Today · 4.125%
HK$27,494
baseline
▲ 0.50% · 4.625%
HK$29,167
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,988/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,782
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,554
−HK$783/mo
Today · 4.125%
HK$30,337
baseline
▲ 0.50% · 4.625%
HK$31,936
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,674/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,046
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,012
−HK$981/mo
Today · 4.125%
HK$32,993
baseline
▲ 0.50% · 4.625%
HK$35,000
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,986/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,538
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,465
−HK$939/mo
Today · 4.125%
HK$36,404
baseline
▲ 0.50% · 4.625%
HK$38,323
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,808/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,220
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,347
−HK$1,145/mo
Today · 4.125%
HK$38,492
baseline
▲ 0.50% · 4.625%
HK$40,834
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,984/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,295
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,375
−HK$1,097/mo
Today · 4.125%
HK$42,472
baseline
▲ 0.50% · 4.625%
HK$44,710
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,944/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,569
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,017
−HK$1,472/mo
Today · 4.125%
HK$49,489
baseline
▲ 0.50% · 4.625%
HK$52,500
+HK$3,011/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,978/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,807
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,197
−HK$1,409/mo
Today · 4.125%
HK$54,606
baseline
▲ 0.50% · 4.625%
HK$57,485
+HK$2,879/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,212/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,472 · Scale 2, in force from 26 Feb 2026)