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$25,887
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,692
−HK$818/mo
Today · 4.125%
HK$27,510
baseline
▲ 0.50% · 4.625%
HK$29,184
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,020/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,799
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,571
−HK$784/mo
Today · 4.125%
HK$30,355
baseline
▲ 0.50% · 4.625%
HK$31,955
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,710/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,064
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,030
−HK$982/mo
Today · 4.125%
HK$33,012
baseline
▲ 0.50% · 4.625%
HK$35,021
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,024/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,558
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,485
−HK$940/mo
Today · 4.125%
HK$36,425
baseline
▲ 0.50% · 4.625%
HK$38,345
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,850/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,241
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,369
−HK$1,145/mo
Today · 4.125%
HK$38,514
baseline
▲ 0.50% · 4.625%
HK$40,857
+HK$2,343/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,028/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,318
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,399
−HK$1,097/mo
Today · 4.125%
HK$42,496
baseline
▲ 0.50% · 4.625%
HK$44,736
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$84,992/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,596
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,045
−HK$1,473/mo
Today · 4.125%
HK$49,518
baseline
▲ 0.50% · 4.625%
HK$52,531
+HK$3,013/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,036/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,838
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,228
−HK$1,410/mo
Today · 4.125%
HK$54,638
baseline
▲ 0.50% · 4.625%
HK$57,518
+HK$2,880/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,276/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,720 · Scale 2, in force from 26 Feb 2026)