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$25,910
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,716
−HK$819/mo
Today · 4.125%
HK$27,535
baseline
▲ 0.50% · 4.625%
HK$29,210
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,070/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,825
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,598
−HK$784/mo
Today · 4.125%
HK$30,382
baseline
▲ 0.50% · 4.625%
HK$31,983
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,764/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,092
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$983/mo
Today · 4.125%
HK$33,042
baseline
▲ 0.50% · 4.625%
HK$35,052
+HK$2,010/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,084/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,589
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,517
−HK$941/mo
Today · 4.125%
HK$36,458
baseline
▲ 0.50% · 4.625%
HK$38,380
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,916/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,274
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,402
−HK$1,147/mo
Today · 4.125%
HK$38,549
baseline
▲ 0.50% · 4.625%
HK$40,894
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,098/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,354
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,437
−HK$1,098/mo
Today · 4.125%
HK$42,535
baseline
▲ 0.50% · 4.625%
HK$44,777
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,070/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,638
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,089
−HK$1,473/mo
Today · 4.125%
HK$49,562
baseline
▲ 0.50% · 4.625%
HK$52,578
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,124/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,884
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,276
−HK$1,411/mo
Today · 4.125%
HK$54,687
baseline
▲ 0.50% · 4.625%
HK$57,570
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,374/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,102 · Scale 2, in force from 26 Feb 2026)