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$25,916
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,723
−HK$819/mo
Today · 4.125%
HK$27,542
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,084/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,832
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,605
−HK$784/mo
Today · 4.125%
HK$30,389
baseline
▲ 0.50% · 4.625%
HK$31,991
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,778/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,100
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,067
−HK$983/mo
Today · 4.125%
HK$33,050
baseline
▲ 0.50% · 4.625%
HK$35,061
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,100/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,598
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,526
−HK$941/mo
Today · 4.125%
HK$36,467
baseline
▲ 0.50% · 4.625%
HK$38,389
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,934/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,283
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,412
−HK$1,146/mo
Today · 4.125%
HK$38,558
baseline
▲ 0.50% · 4.625%
HK$40,904
+HK$2,346/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,116/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,364
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,447
−HK$1,098/mo
Today · 4.125%
HK$42,545
baseline
▲ 0.50% · 4.625%
HK$44,788
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,090/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,649
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,101
−HK$1,474/mo
Today · 4.125%
HK$49,575
baseline
▲ 0.50% · 4.625%
HK$52,591
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,150/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,897
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,289
−HK$1,412/mo
Today · 4.125%
HK$54,701
baseline
▲ 0.50% · 4.625%
HK$57,584
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,402/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,208 · Scale 2, in force from 26 Feb 2026)