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$25,929
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,736
−HK$819/mo
Today · 4.125%
HK$27,555
baseline
▲ 0.50% · 4.625%
HK$29,232
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,110/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,846
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,620
−HK$785/mo
Today · 4.125%
HK$30,405
baseline
▲ 0.50% · 4.625%
HK$32,007
+HK$1,602/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,810/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,115
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,083
−HK$983/mo
Today · 4.125%
HK$33,066
baseline
▲ 0.50% · 4.625%
HK$35,078
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,132/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,615
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,544
−HK$942/mo
Today · 4.125%
HK$36,486
baseline
▲ 0.50% · 4.625%
HK$38,409
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,972/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,301
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,430
−HK$1,147/mo
Today · 4.125%
HK$38,577
baseline
▲ 0.50% · 4.625%
HK$40,925
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,154/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,385
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,468
−HK$1,098/mo
Today · 4.125%
HK$42,566
baseline
▲ 0.50% · 4.625%
HK$44,810
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,132/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,673
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,125
−HK$1,475/mo
Today · 4.125%
HK$49,600
baseline
▲ 0.50% · 4.625%
HK$52,618
+HK$3,018/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,200/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,923
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,316
−HK$1,412/mo
Today · 4.125%
HK$54,728
baseline
▲ 0.50% · 4.625%
HK$57,613
+HK$2,885/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,456/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,422 · Scale 2, in force from 26 Feb 2026)