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$25,846
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,650
−HK$817/mo
Today · 4.125%
HK$27,467
baseline
▲ 0.50% · 4.625%
HK$29,138
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,934/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,754
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,525
−HK$782/mo
Today · 4.125%
HK$30,307
baseline
▲ 0.50% · 4.625%
HK$31,905
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,614/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,015
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,980
−HK$980/mo
Today · 4.125%
HK$32,960
baseline
▲ 0.50% · 4.625%
HK$34,966
+HK$2,006/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,920/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,504
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,430
−HK$939/mo
Today · 4.125%
HK$36,369
baseline
▲ 0.50% · 4.625%
HK$38,286
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,738/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,185
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,310
−HK$1,144/mo
Today · 4.125%
HK$38,454
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,340/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,908/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,255
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,335
−HK$1,095/mo
Today · 4.125%
HK$42,430
baseline
▲ 0.50% · 4.625%
HK$44,666
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,860/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,523
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,970
−HK$1,471/mo
Today · 4.125%
HK$49,441
baseline
▲ 0.50% · 4.625%
HK$52,449
+HK$3,008/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,882/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,757
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,145
−HK$1,408/mo
Today · 4.125%
HK$54,553
baseline
▲ 0.50% · 4.625%
HK$57,428
+HK$2,875/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,106/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,054 · Scale 2, in force from 26 Feb 2026)