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$25,845
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,649
−HK$817/mo
Today · 4.125%
HK$27,466
baseline
▲ 0.50% · 4.625%
HK$29,137
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,932/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,752
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,523
−HK$783/mo
Today · 4.125%
HK$30,306
baseline
▲ 0.50% · 4.625%
HK$31,903
+HK$1,597/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,612/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,014
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,979
−HK$980/mo
Today · 4.125%
HK$32,959
baseline
▲ 0.50% · 4.625%
HK$34,964
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,918/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,503
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,428
−HK$939/mo
Today · 4.125%
HK$36,367
baseline
▲ 0.50% · 4.625%
HK$38,284
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,734/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,183
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,308
−HK$1,144/mo
Today · 4.125%
HK$38,452
baseline
▲ 0.50% · 4.625%
HK$40,792
+HK$2,340/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,904/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,253
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,333
−HK$1,095/mo
Today · 4.125%
HK$42,428
baseline
▲ 0.50% · 4.625%
HK$44,664
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,856/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,521
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,968
−HK$1,470/mo
Today · 4.125%
HK$49,438
baseline
▲ 0.50% · 4.625%
HK$52,446
+HK$3,008/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,876/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,754
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,142
−HK$1,408/mo
Today · 4.125%
HK$54,550
baseline
▲ 0.50% · 4.625%
HK$57,426
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,100/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,035 · Scale 2, in force from 26 Feb 2026)