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$25,902
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,707
−HK$819/mo
Today · 4.125%
HK$27,526
baseline
▲ 0.50% · 4.625%
HK$29,201
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,052/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$425,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,815
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,588
−HK$784/mo
Today · 4.125%
HK$30,372
baseline
▲ 0.50% · 4.625%
HK$31,973
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,744/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$425,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,082
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,049
−HK$982/mo
Today · 4.125%
HK$33,031
baseline
▲ 0.50% · 4.625%
HK$35,041
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,062/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,578
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,506
−HK$940/mo
Today · 4.125%
HK$36,446
baseline
▲ 0.50% · 4.625%
HK$38,368
+HK$1,922/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,892/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,262
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,390
−HK$1,146/mo
Today · 4.125%
HK$38,536
baseline
▲ 0.50% · 4.625%
HK$40,881
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,072/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,341
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,423
−HK$1,098/mo
Today · 4.125%
HK$42,521
baseline
▲ 0.50% · 4.625%
HK$44,762
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,042/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,623
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,073
−HK$1,474/mo
Today · 4.125%
HK$49,547
baseline
▲ 0.50% · 4.625%
HK$52,561
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,094/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,867
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,259
−HK$1,411/mo
Today · 4.125%
HK$54,670
baseline
▲ 0.50% · 4.625%
HK$57,551
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,340/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,965 · Scale 2, in force from 26 Feb 2026)