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$25,890
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,696
−HK$818/mo
Today · 4.125%
HK$27,514
baseline
▲ 0.50% · 4.625%
HK$29,188
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,028/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,803
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,575
−HK$784/mo
Today · 4.125%
HK$30,359
baseline
▲ 0.50% · 4.625%
HK$31,959
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,718/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,068
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,035
−HK$982/mo
Today · 4.125%
HK$33,017
baseline
▲ 0.50% · 4.625%
HK$35,025
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,034/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,563
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,490
−HK$940/mo
Today · 4.125%
HK$36,430
baseline
▲ 0.50% · 4.625%
HK$38,351
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,860/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,246
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,374
−HK$1,145/mo
Today · 4.125%
HK$38,519
baseline
▲ 0.50% · 4.625%
HK$40,863
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,038/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,324
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,405
−HK$1,097/mo
Today · 4.125%
HK$42,502
baseline
▲ 0.50% · 4.625%
HK$44,743
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,004/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,602
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,052
−HK$1,473/mo
Today · 4.125%
HK$49,525
baseline
▲ 0.50% · 4.625%
HK$52,538
+HK$3,013/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,050/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,845
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,235
−HK$1,411/mo
Today · 4.125%
HK$54,646
baseline
▲ 0.50% · 4.625%
HK$57,526
+HK$2,880/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,292/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,778 · Scale 2, in force from 26 Feb 2026)