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$25,900
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,706
−HK$818/mo
Today · 4.125%
HK$27,524
baseline
▲ 0.50% · 4.625%
HK$29,199
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,048/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$425,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,814
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,586
−HK$784/mo
Today · 4.125%
HK$30,370
baseline
▲ 0.50% · 4.625%
HK$31,971
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,740/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$425,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,080
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,047
−HK$982/mo
Today · 4.125%
HK$33,029
baseline
▲ 0.50% · 4.625%
HK$35,039
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,058/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,576
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,504
−HK$940/mo
Today · 4.125%
HK$36,444
baseline
▲ 0.50% · 4.625%
HK$38,365
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,888/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,260
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,388
−HK$1,146/mo
Today · 4.125%
HK$38,534
baseline
▲ 0.50% · 4.625%
HK$40,879
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,068/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,339
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,421
−HK$1,097/mo
Today · 4.125%
HK$42,518
baseline
▲ 0.50% · 4.625%
HK$44,760
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,036/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,620
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,070
−HK$1,474/mo
Today · 4.125%
HK$49,544
baseline
▲ 0.50% · 4.625%
HK$52,558
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,088/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,864
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,255
−HK$1,412/mo
Today · 4.125%
HK$54,667
baseline
▲ 0.50% · 4.625%
HK$57,548
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,334/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,941 · Scale 2, in force from 26 Feb 2026)