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$25,971
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,778
−HK$821/mo
Today · 4.125%
HK$27,599
baseline
▲ 0.50% · 4.625%
HK$29,279
+HK$1,680/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,198/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,892
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,667
−HK$786/mo
Today · 4.125%
HK$30,453
baseline
▲ 0.50% · 4.625%
HK$32,058
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,906/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,165
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,134
−HK$985/mo
Today · 4.125%
HK$33,119
baseline
▲ 0.50% · 4.625%
HK$35,134
+HK$2,015/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,238/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,670
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,600
−HK$944/mo
Today · 4.125%
HK$36,544
baseline
▲ 0.50% · 4.625%
HK$38,470
+HK$1,926/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,088/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,359
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,490
−HK$1,149/mo
Today · 4.125%
HK$38,639
baseline
▲ 0.50% · 4.625%
HK$40,990
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,278/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,449
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,534
−HK$1,100/mo
Today · 4.125%
HK$42,634
baseline
▲ 0.50% · 4.625%
HK$44,881
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,268/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,747
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,201
−HK$1,478/mo
Today · 4.125%
HK$49,679
baseline
▲ 0.50% · 4.625%
HK$52,701
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,358/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,006
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,400
−HK$1,415/mo
Today · 4.125%
HK$54,815
baseline
▲ 0.50% · 4.625%
HK$57,705
+HK$2,890/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,630/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,100 · Scale 2, in force from 26 Feb 2026)