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$25,963
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,771
−HK$820/mo
Today · 4.125%
HK$27,591
baseline
▲ 0.50% · 4.625%
HK$29,270
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,182/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,884
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,658
−HK$786/mo
Today · 4.125%
HK$30,444
baseline
▲ 0.50% · 4.625%
HK$32,049
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,888/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,156
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,125
−HK$985/mo
Today · 4.125%
HK$33,110
baseline
▲ 0.50% · 4.625%
HK$35,124
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,220/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,661
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,590
−HK$943/mo
Today · 4.125%
HK$36,533
baseline
▲ 0.50% · 4.625%
HK$38,459
+HK$1,926/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,066/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,348
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,479
−HK$1,149/mo
Today · 4.125%
HK$38,628
baseline
▲ 0.50% · 4.625%
HK$40,978
+HK$2,350/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,256/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,437
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,522
−HK$1,100/mo
Today · 4.125%
HK$42,622
baseline
▲ 0.50% · 4.625%
HK$44,869
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,244/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,734
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,187
−HK$1,477/mo
Today · 4.125%
HK$49,664
baseline
▲ 0.50% · 4.625%
HK$52,686
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,328/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,991
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,385
−HK$1,415/mo
Today · 4.125%
HK$54,800
baseline
▲ 0.50% · 4.625%
HK$57,688
+HK$2,888/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,600/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,979 · Scale 2, in force from 26 Feb 2026)