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$25,849
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,653
−HK$816/mo
Today · 4.125%
HK$27,469
baseline
▲ 0.50% · 4.625%
HK$29,141
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,938/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,756
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,527
−HK$783/mo
Today · 4.125%
HK$30,310
baseline
▲ 0.50% · 4.625%
HK$31,908
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,620/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,018
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,983
−HK$980/mo
Today · 4.125%
HK$32,963
baseline
▲ 0.50% · 4.625%
HK$34,969
+HK$2,006/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,926/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,508
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,433
−HK$939/mo
Today · 4.125%
HK$36,372
baseline
▲ 0.50% · 4.625%
HK$38,289
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,744/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,188
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,314
−HK$1,143/mo
Today · 4.125%
HK$38,457
baseline
▲ 0.50% · 4.625%
HK$40,797
+HK$2,340/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,914/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,259
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,338
−HK$1,096/mo
Today · 4.125%
HK$42,434
baseline
▲ 0.50% · 4.625%
HK$44,671
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,868/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,527
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,975
−HK$1,470/mo
Today · 4.125%
HK$49,445
baseline
▲ 0.50% · 4.625%
HK$52,454
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,890/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,761
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,149
−HK$1,409/mo
Today · 4.125%
HK$54,558
baseline
▲ 0.50% · 4.625%
HK$57,434
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,116/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,093 · Scale 2, in force from 26 Feb 2026)