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$25,892
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,697
−HK$819/mo
Today · 4.125%
HK$27,516
baseline
▲ 0.50% · 4.625%
HK$29,190
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,032/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,804
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,577
−HK$784/mo
Today · 4.125%
HK$30,361
baseline
▲ 0.50% · 4.625%
HK$31,961
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,722/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,070
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,037
−HK$982/mo
Today · 4.125%
HK$33,019
baseline
▲ 0.50% · 4.625%
HK$35,028
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,038/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,565
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,492
−HK$941/mo
Today · 4.125%
HK$36,433
baseline
▲ 0.50% · 4.625%
HK$38,353
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,866/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,249
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,376
−HK$1,146/mo
Today · 4.125%
HK$38,522
baseline
▲ 0.50% · 4.625%
HK$40,866
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,044/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,326
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,408
−HK$1,097/mo
Today · 4.125%
HK$42,505
baseline
▲ 0.50% · 4.625%
HK$44,745
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,010/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,605
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,055
−HK$1,473/mo
Today · 4.125%
HK$49,528
baseline
▲ 0.50% · 4.625%
HK$52,542
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,056/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,848
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,239
−HK$1,410/mo
Today · 4.125%
HK$54,649
baseline
▲ 0.50% · 4.625%
HK$57,530
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,298/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,806 · Scale 2, in force from 26 Feb 2026)