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$25,866
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,671
−HK$817/mo
Today · 4.125%
HK$27,488
baseline
▲ 0.50% · 4.625%
HK$29,161
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,976/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,776
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,547
−HK$783/mo
Today · 4.125%
HK$30,330
baseline
▲ 0.50% · 4.625%
HK$31,929
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,660/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,039
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,005
−HK$981/mo
Today · 4.125%
HK$32,986
baseline
▲ 0.50% · 4.625%
HK$34,993
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,972/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,531
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,457
−HK$939/mo
Today · 4.125%
HK$36,396
baseline
▲ 0.50% · 4.625%
HK$38,315
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,792/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,213
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,339
−HK$1,144/mo
Today · 4.125%
HK$38,483
baseline
▲ 0.50% · 4.625%
HK$40,825
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,966/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,286
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,366
−HK$1,097/mo
Today · 4.125%
HK$42,463
baseline
▲ 0.50% · 4.625%
HK$44,701
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,926/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,559
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,007
−HK$1,472/mo
Today · 4.125%
HK$49,479
baseline
▲ 0.50% · 4.625%
HK$52,489
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,958/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,796
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,185
−HK$1,410/mo
Today · 4.125%
HK$54,595
baseline
▲ 0.50% · 4.625%
HK$57,473
+HK$2,878/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,190/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,381 · Scale 2, in force from 26 Feb 2026)