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$25,868
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,673
−HK$817/mo
Today · 4.125%
HK$27,490
baseline
▲ 0.50% · 4.625%
HK$29,163
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,980/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,778
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,550
−HK$783/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$31,932
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,042
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,008
−HK$981/mo
Today · 4.125%
HK$32,989
baseline
▲ 0.50% · 4.625%
HK$34,996
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,978/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,534
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,460
−HK$940/mo
Today · 4.125%
HK$36,400
baseline
▲ 0.50% · 4.625%
HK$38,318
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,800/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,216
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$1,145/mo
Today · 4.125%
HK$38,487
baseline
▲ 0.50% · 4.625%
HK$40,828
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,974/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,290
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,370
−HK$1,096/mo
Today · 4.125%
HK$42,466
baseline
▲ 0.50% · 4.625%
HK$44,705
+HK$2,239/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,932/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,563
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,011
−HK$1,472/mo
Today · 4.125%
HK$49,483
baseline
▲ 0.50% · 4.625%
HK$52,494
+HK$3,011/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,966/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,801
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,190
−HK$1,409/mo
Today · 4.125%
HK$54,599
baseline
▲ 0.50% · 4.625%
HK$57,477
+HK$2,878/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,198/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,418 · Scale 2, in force from 26 Feb 2026)