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$25,843
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,646
−HK$817/mo
Today · 4.125%
HK$27,463
baseline
▲ 0.50% · 4.625%
HK$29,134
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,926/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,750
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$782/mo
Today · 4.125%
HK$30,303
baseline
▲ 0.50% · 4.625%
HK$31,900
+HK$1,597/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,606/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,011
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,976
−HK$980/mo
Today · 4.125%
HK$32,956
baseline
▲ 0.50% · 4.625%
HK$34,961
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,912/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,500
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,425
−HK$938/mo
Today · 4.125%
HK$36,363
baseline
▲ 0.50% · 4.625%
HK$38,280
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,726/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,180
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,305
−HK$1,143/mo
Today · 4.125%
HK$38,448
baseline
▲ 0.50% · 4.625%
HK$40,788
+HK$2,340/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,896/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,250
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,329
−HK$1,095/mo
Today · 4.125%
HK$42,424
baseline
▲ 0.50% · 4.625%
HK$44,660
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,848/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,517
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,964
−HK$1,470/mo
Today · 4.125%
HK$49,434
baseline
▲ 0.50% · 4.625%
HK$52,442
+HK$3,008/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,868/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,749
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,137
−HK$1,408/mo
Today · 4.125%
HK$54,545
baseline
▲ 0.50% · 4.625%
HK$57,420
+HK$2,875/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,090/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,996 · Scale 2, in force from 26 Feb 2026)