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$25,909
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,715
−HK$819/mo
Today · 4.125%
HK$27,534
baseline
▲ 0.50% · 4.625%
HK$29,209
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,068/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,823
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,596
−HK$785/mo
Today · 4.125%
HK$30,381
baseline
▲ 0.50% · 4.625%
HK$31,982
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,762/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,091
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,058
−HK$982/mo
Today · 4.125%
HK$33,040
baseline
▲ 0.50% · 4.625%
HK$35,051
+HK$2,011/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,080/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,588
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,516
−HK$941/mo
Today · 4.125%
HK$36,457
baseline
▲ 0.50% · 4.625%
HK$38,378
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,914/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,272
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,401
−HK$1,146/mo
Today · 4.125%
HK$38,547
baseline
▲ 0.50% · 4.625%
HK$40,892
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,094/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,353
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,435
−HK$1,098/mo
Today · 4.125%
HK$42,533
baseline
▲ 0.50% · 4.625%
HK$44,775
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,066/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,636
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,087
−HK$1,473/mo
Today · 4.125%
HK$49,560
baseline
▲ 0.50% · 4.625%
HK$52,576
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,120/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,882
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,273
−HK$1,412/mo
Today · 4.125%
HK$54,685
baseline
▲ 0.50% · 4.625%
HK$57,568
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,370/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,085 · Scale 2, in force from 26 Feb 2026)