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$25,862
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,667
−HK$817/mo
Today · 4.125%
HK$27,484
baseline
▲ 0.50% · 4.625%
HK$29,156
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,968/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,771
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,543
−HK$783/mo
Today · 4.125%
HK$30,326
baseline
▲ 0.50% · 4.625%
HK$31,924
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,652/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,035
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,000
−HK$981/mo
Today · 4.125%
HK$32,981
baseline
▲ 0.50% · 4.625%
HK$34,987
+HK$2,006/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,962/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,526
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,452
−HK$939/mo
Today · 4.125%
HK$36,391
baseline
▲ 0.50% · 4.625%
HK$38,309
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,782/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,207
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,333
−HK$1,144/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,819
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,280
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,360
−HK$1,096/mo
Today · 4.125%
HK$42,456
baseline
▲ 0.50% · 4.625%
HK$44,694
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,912/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,552
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$48,000
−HK$1,471/mo
Today · 4.125%
HK$49,471
baseline
▲ 0.50% · 4.625%
HK$52,481
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,942/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,788
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,177
−HK$1,409/mo
Today · 4.125%
HK$54,586
baseline
▲ 0.50% · 4.625%
HK$57,464
+HK$2,878/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,172/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,316 · Scale 2, in force from 26 Feb 2026)