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$25,916
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,722
−HK$819/mo
Today · 4.125%
HK$27,541
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,082/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,831
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,604
−HK$785/mo
Today · 4.125%
HK$30,389
baseline
▲ 0.50% · 4.625%
HK$31,991
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,778/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,099
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,066
−HK$983/mo
Today · 4.125%
HK$33,049
baseline
▲ 0.50% · 4.625%
HK$35,060
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,098/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,597
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,525
−HK$941/mo
Today · 4.125%
HK$36,466
baseline
▲ 0.50% · 4.625%
HK$38,389
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,932/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,282
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,411
−HK$1,146/mo
Today · 4.125%
HK$38,557
baseline
▲ 0.50% · 4.625%
HK$40,903
+HK$2,346/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,114/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,364
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,446
−HK$1,098/mo
Today · 4.125%
HK$42,544
baseline
▲ 0.50% · 4.625%
HK$44,787
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,088/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,648
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,099
−HK$1,475/mo
Today · 4.125%
HK$49,574
baseline
▲ 0.50% · 4.625%
HK$52,590
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,148/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,896
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,288
−HK$1,412/mo
Today · 4.125%
HK$54,700
baseline
▲ 0.50% · 4.625%
HK$57,583
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,400/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,199 · Scale 2, in force from 26 Feb 2026)