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$25,919
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,725
−HK$819/mo
Today · 4.125%
HK$27,544
baseline
▲ 0.50% · 4.625%
HK$29,220
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,088/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,834
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,608
−HK$784/mo
Today · 4.125%
HK$30,392
baseline
▲ 0.50% · 4.625%
HK$31,994
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,784/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,103
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,070
−HK$983/mo
Today · 4.125%
HK$33,053
baseline
▲ 0.50% · 4.625%
HK$35,064
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,106/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,601
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,529
−HK$942/mo
Today · 4.125%
HK$36,471
baseline
▲ 0.50% · 4.625%
HK$38,393
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,942/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,286
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,415
−HK$1,147/mo
Today · 4.125%
HK$38,562
baseline
▲ 0.50% · 4.625%
HK$40,908
+HK$2,346/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,124/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,368
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,451
−HK$1,098/mo
Today · 4.125%
HK$42,549
baseline
▲ 0.50% · 4.625%
HK$44,792
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,098/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,654
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,105
−HK$1,475/mo
Today · 4.125%
HK$49,580
baseline
▲ 0.50% · 4.625%
HK$52,596
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,160/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,902
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,294
−HK$1,412/mo
Today · 4.125%
HK$54,706
baseline
▲ 0.50% · 4.625%
HK$57,590
+HK$2,884/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,412/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,249 · Scale 2, in force from 26 Feb 2026)