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$25,951
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,759
−HK$820/mo
Today · 4.125%
HK$27,579
baseline
▲ 0.50% · 4.625%
HK$29,257
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,158/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,871
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,645
−HK$786/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,035
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,142
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,110
−HK$985/mo
Today · 4.125%
HK$33,095
baseline
▲ 0.50% · 4.625%
HK$35,108
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,190/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,645
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,574
−HK$943/mo
Today · 4.125%
HK$36,517
baseline
▲ 0.50% · 4.625%
HK$38,442
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,034/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,332
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,462
−HK$1,148/mo
Today · 4.125%
HK$38,610
baseline
▲ 0.50% · 4.625%
HK$40,960
+HK$2,350/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,220/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,419
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,503
−HK$1,100/mo
Today · 4.125%
HK$42,603
baseline
▲ 0.50% · 4.625%
HK$44,848
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,206/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,713
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,166
−HK$1,476/mo
Today · 4.125%
HK$49,642
baseline
▲ 0.50% · 4.625%
HK$52,663
+HK$3,021/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,284/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,967
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,361
−HK$1,414/mo
Today · 4.125%
HK$54,775
baseline
▲ 0.50% · 4.625%
HK$57,662
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,550/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,786 · Scale 2, in force from 26 Feb 2026)