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$25,880
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,685
−HK$818/mo
Today · 4.125%
HK$27,503
baseline
▲ 0.50% · 4.625%
HK$29,176
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$55,006/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,791
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,563
−HK$783/mo
Today · 4.125%
HK$30,346
baseline
▲ 0.50% · 4.625%
HK$31,946
+HK$1,600/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,692/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,056
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,022
−HK$981/mo
Today · 4.125%
HK$33,003
baseline
▲ 0.50% · 4.625%
HK$35,011
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,006/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,549
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,476
−HK$940/mo
Today · 4.125%
HK$36,416
baseline
▲ 0.50% · 4.625%
HK$38,335
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,832/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,232
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,359
−HK$1,145/mo
Today · 4.125%
HK$38,504
baseline
▲ 0.50% · 4.625%
HK$40,847
+HK$2,343/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$77,008/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,307
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,388
−HK$1,097/mo
Today · 4.125%
HK$42,485
baseline
▲ 0.50% · 4.625%
HK$44,725
+HK$2,240/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,970/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,584
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,033
−HK$1,472/mo
Today · 4.125%
HK$49,505
baseline
▲ 0.50% · 4.625%
HK$52,517
+HK$3,012/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$99,010/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,824
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,214
−HK$1,410/mo
Today · 4.125%
HK$54,624
baseline
▲ 0.50% · 4.625%
HK$57,503
+HK$2,879/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,248/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,607 · Scale 2, in force from 26 Feb 2026)