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$25,879
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,684
−HK$818/mo
Today · 4.125%
HK$27,502
baseline
▲ 0.50% · 4.625%
HK$29,175
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$55,004/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,790
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,562
−HK$783/mo
Today · 4.125%
HK$30,345
baseline
▲ 0.50% · 4.625%
HK$31,945
+HK$1,600/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,690/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,055
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,020
−HK$982/mo
Today · 4.125%
HK$33,002
baseline
▲ 0.50% · 4.625%
HK$35,010
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,004/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,548
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,474
−HK$940/mo
Today · 4.125%
HK$36,414
baseline
▲ 0.50% · 4.625%
HK$38,334
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,828/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,230
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,357
−HK$1,145/mo
Today · 4.125%
HK$38,502
baseline
▲ 0.50% · 4.625%
HK$40,845
+HK$2,343/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$77,004/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,306
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,387
−HK$1,096/mo
Today · 4.125%
HK$42,483
baseline
▲ 0.50% · 4.625%
HK$44,723
+HK$2,240/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,966/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,582
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,031
−HK$1,472/mo
Today · 4.125%
HK$49,503
baseline
▲ 0.50% · 4.625%
HK$52,515
+HK$3,012/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$99,006/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,822
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,212
−HK$1,410/mo
Today · 4.125%
HK$54,622
baseline
▲ 0.50% · 4.625%
HK$57,501
+HK$2,879/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,244/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,590 · Scale 2, in force from 26 Feb 2026)