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$25,895
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,701
−HK$818/mo
Today · 4.125%
HK$27,519
baseline
▲ 0.50% · 4.625%
HK$29,194
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,038/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,808
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,581
−HK$784/mo
Today · 4.125%
HK$30,365
baseline
▲ 0.50% · 4.625%
HK$31,965
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,730/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,074
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,041
−HK$982/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$35,032
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,570
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,497
−HK$941/mo
Today · 4.125%
HK$36,438
baseline
▲ 0.50% · 4.625%
HK$38,358
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,876/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,254
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,381
−HK$1,146/mo
Today · 4.125%
HK$38,527
baseline
▲ 0.50% · 4.625%
HK$40,871
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,054/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,332
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,413
−HK$1,098/mo
Today · 4.125%
HK$42,511
baseline
▲ 0.50% · 4.625%
HK$44,752
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,022/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,612
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,062
−HK$1,473/mo
Today · 4.125%
HK$49,535
baseline
▲ 0.50% · 4.625%
HK$52,549
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,070/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,855
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,246
−HK$1,411/mo
Today · 4.125%
HK$54,657
baseline
▲ 0.50% · 4.625%
HK$57,538
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,314/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,864 · Scale 2, in force from 26 Feb 2026)