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$25,922
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,729
−HK$819/mo
Today · 4.125%
HK$27,548
baseline
▲ 0.50% · 4.625%
HK$29,224
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,096/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,838
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,612
−HK$785/mo
Today · 4.125%
HK$30,397
baseline
▲ 0.50% · 4.625%
HK$31,999
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,794/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,107
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,075
−HK$983/mo
Today · 4.125%
HK$33,058
baseline
▲ 0.50% · 4.625%
HK$35,069
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,116/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,606
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,534
−HK$942/mo
Today · 4.125%
HK$36,476
baseline
▲ 0.50% · 4.625%
HK$38,399
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,952/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,291
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,420
−HK$1,147/mo
Today · 4.125%
HK$38,567
baseline
▲ 0.50% · 4.625%
HK$40,914
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,134/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,374
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,457
−HK$1,098/mo
Today · 4.125%
HK$42,555
baseline
▲ 0.50% · 4.625%
HK$44,798
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,110/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,660
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,112
−HK$1,474/mo
Today · 4.125%
HK$49,586
baseline
▲ 0.50% · 4.625%
HK$52,604
+HK$3,018/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,172/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,909
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,301
−HK$1,413/mo
Today · 4.125%
HK$54,714
baseline
▲ 0.50% · 4.625%
HK$57,598
+HK$2,884/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,428/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,309 · Scale 2, in force from 26 Feb 2026)