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$25,905
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,711
−HK$819/mo
Today · 4.125%
HK$27,530
baseline
▲ 0.50% · 4.625%
HK$29,205
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,060/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,819
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,592
−HK$784/mo
Today · 4.125%
HK$30,376
baseline
▲ 0.50% · 4.625%
HK$31,978
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,752/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,086
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,053
−HK$983/mo
Today · 4.125%
HK$33,036
baseline
▲ 0.50% · 4.625%
HK$35,046
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,072/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,583
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,511
−HK$941/mo
Today · 4.125%
HK$36,452
baseline
▲ 0.50% · 4.625%
HK$38,373
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,904/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,267
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,396
−HK$1,146/mo
Today · 4.125%
HK$38,542
baseline
▲ 0.50% · 4.625%
HK$40,887
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,084/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,347
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,429
−HK$1,098/mo
Today · 4.125%
HK$42,527
baseline
▲ 0.50% · 4.625%
HK$44,769
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,054/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,630
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,080
−HK$1,474/mo
Today · 4.125%
HK$49,554
baseline
▲ 0.50% · 4.625%
HK$52,569
+HK$3,015/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,108/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,875
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,266
−HK$1,412/mo
Today · 4.125%
HK$54,678
baseline
▲ 0.50% · 4.625%
HK$57,560
+HK$2,882/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,356/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,026 · Scale 2, in force from 26 Feb 2026)