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$25,875
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,680
−HK$817/mo
Today · 4.125%
HK$27,497
baseline
▲ 0.50% · 4.625%
HK$29,170
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,994/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,785
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,557
−HK$783/mo
Today · 4.125%
HK$30,340
baseline
▲ 0.50% · 4.625%
HK$31,940
+HK$1,600/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,680/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,050
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,015
−HK$982/mo
Today · 4.125%
HK$32,997
baseline
▲ 0.50% · 4.625%
HK$35,004
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,994/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,542
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,469
−HK$940/mo
Today · 4.125%
HK$36,409
baseline
▲ 0.50% · 4.625%
HK$38,328
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,818/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,225
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,351
−HK$1,145/mo
Today · 4.125%
HK$38,496
baseline
▲ 0.50% · 4.625%
HK$40,839
+HK$2,343/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,992/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,299
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,380
−HK$1,097/mo
Today · 4.125%
HK$42,477
baseline
▲ 0.50% · 4.625%
HK$44,716
+HK$2,239/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,954/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,574
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,023
−HK$1,472/mo
Today · 4.125%
HK$49,495
baseline
▲ 0.50% · 4.625%
HK$52,507
+HK$3,012/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,990/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,814
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,203
−HK$1,410/mo
Today · 4.125%
HK$54,613
baseline
▲ 0.50% · 4.625%
HK$57,492
+HK$2,879/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,226/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,523 · Scale 2, in force from 26 Feb 2026)