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$25,894
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,700
−HK$818/mo
Today · 4.125%
HK$27,518
baseline
▲ 0.50% · 4.625%
HK$29,193
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,036/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,807
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,580
−HK$784/mo
Today · 4.125%
HK$30,364
baseline
▲ 0.50% · 4.625%
HK$31,964
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,728/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,073
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,040
−HK$982/mo
Today · 4.125%
HK$33,022
baseline
▲ 0.50% · 4.625%
HK$35,031
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,044/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,569
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,496
−HK$940/mo
Today · 4.125%
HK$36,436
baseline
▲ 0.50% · 4.625%
HK$38,357
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,872/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,252
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,380
−HK$1,145/mo
Today · 4.125%
HK$38,525
baseline
▲ 0.50% · 4.625%
HK$40,870
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,050/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,330
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,412
−HK$1,097/mo
Today · 4.125%
HK$42,509
baseline
▲ 0.50% · 4.625%
HK$44,750
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,018/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,610
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,060
−HK$1,473/mo
Today · 4.125%
HK$49,533
baseline
▲ 0.50% · 4.625%
HK$52,547
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,066/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,853
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,244
−HK$1,410/mo
Today · 4.125%
HK$54,654
baseline
▲ 0.50% · 4.625%
HK$57,535
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,308/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,847 · Scale 2, in force from 26 Feb 2026)