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$25,936
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,743
−HK$820/mo
Today · 4.125%
HK$27,563
baseline
▲ 0.50% · 4.625%
HK$29,240
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,126/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,854
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,628
−HK$785/mo
Today · 4.125%
HK$30,413
baseline
▲ 0.50% · 4.625%
HK$32,016
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,826/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,124
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,092
−HK$983/mo
Today · 4.125%
HK$33,075
baseline
▲ 0.50% · 4.625%
HK$35,088
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,150/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,625
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,553
−HK$942/mo
Today · 4.125%
HK$36,495
baseline
▲ 0.50% · 4.625%
HK$38,419
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,990/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,311
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,440
−HK$1,148/mo
Today · 4.125%
HK$38,588
baseline
▲ 0.50% · 4.625%
HK$40,936
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,176/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,396
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,479
−HK$1,099/mo
Today · 4.125%
HK$42,578
baseline
▲ 0.50% · 4.625%
HK$44,822
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,156/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,686
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,138
−HK$1,475/mo
Today · 4.125%
HK$49,613
baseline
▲ 0.50% · 4.625%
HK$52,632
+HK$3,019/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,226/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,937
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,330
−HK$1,413/mo
Today · 4.125%
HK$54,743
baseline
▲ 0.50% · 4.625%
HK$57,629
+HK$2,886/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,486/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,539 · Scale 2, in force from 26 Feb 2026)