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$25,888
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,693
−HK$818/mo
Today · 4.125%
HK$27,511
baseline
▲ 0.50% · 4.625%
HK$29,185
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,022/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,800
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,572
−HK$784/mo
Today · 4.125%
HK$30,356
baseline
▲ 0.50% · 4.625%
HK$31,956
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,712/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,065
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,031
−HK$982/mo
Today · 4.125%
HK$33,013
baseline
▲ 0.50% · 4.625%
HK$35,022
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,026/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,560
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,486
−HK$941/mo
Today · 4.125%
HK$36,427
baseline
▲ 0.50% · 4.625%
HK$38,347
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,854/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,243
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,370
−HK$1,145/mo
Today · 4.125%
HK$38,515
baseline
▲ 0.50% · 4.625%
HK$40,859
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,030/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,320
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,401
−HK$1,097/mo
Today · 4.125%
HK$42,498
baseline
▲ 0.50% · 4.625%
HK$44,738
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$84,996/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,598
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,047
−HK$1,473/mo
Today · 4.125%
HK$49,520
baseline
▲ 0.50% · 4.625%
HK$52,533
+HK$3,013/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,040/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,839
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,230
−HK$1,410/mo
Today · 4.125%
HK$54,640
baseline
▲ 0.50% · 4.625%
HK$57,520
+HK$2,880/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,280/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,735 · Scale 2, in force from 26 Feb 2026)