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$25,901
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,707
−HK$818/mo
Today · 4.125%
HK$27,525
baseline
▲ 0.50% · 4.625%
HK$29,200
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,050/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$425,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,814
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,587
−HK$784/mo
Today · 4.125%
HK$30,371
baseline
▲ 0.50% · 4.625%
HK$31,972
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,742/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$425,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,081
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,048
−HK$982/mo
Today · 4.125%
HK$33,030
baseline
▲ 0.50% · 4.625%
HK$35,040
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,060/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,577
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,505
−HK$940/mo
Today · 4.125%
HK$36,445
baseline
▲ 0.50% · 4.625%
HK$38,367
+HK$1,922/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,890/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,261
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,389
−HK$1,146/mo
Today · 4.125%
HK$38,535
baseline
▲ 0.50% · 4.625%
HK$40,880
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,070/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,340
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,422
−HK$1,098/mo
Today · 4.125%
HK$42,520
baseline
▲ 0.50% · 4.625%
HK$44,761
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,040/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,622
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,072
−HK$1,473/mo
Today · 4.125%
HK$49,545
baseline
▲ 0.50% · 4.625%
HK$52,560
+HK$3,015/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,090/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,866
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,257
−HK$1,411/mo
Today · 4.125%
HK$54,668
baseline
▲ 0.50% · 4.625%
HK$57,550
+HK$2,882/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,336/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,953 · Scale 2, in force from 26 Feb 2026)