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$25,970
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,778
−HK$821/mo
Today · 4.125%
HK$27,599
baseline
▲ 0.50% · 4.625%
HK$29,278
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,198/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,891
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$786/mo
Today · 4.125%
HK$30,452
baseline
▲ 0.50% · 4.625%
HK$32,058
+HK$1,606/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,904/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,164
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,134
−HK$984/mo
Today · 4.125%
HK$33,118
baseline
▲ 0.50% · 4.625%
HK$35,134
+HK$2,016/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,236/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,670
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,600
−HK$943/mo
Today · 4.125%
HK$36,543
baseline
▲ 0.50% · 4.625%
HK$38,469
+HK$1,926/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,086/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,358
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,489
−HK$1,149/mo
Today · 4.125%
HK$38,638
baseline
▲ 0.50% · 4.625%
HK$40,989
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,276/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,448
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,533
−HK$1,100/mo
Today · 4.125%
HK$42,633
baseline
▲ 0.50% · 4.625%
HK$44,881
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,266/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,746
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,200
−HK$1,478/mo
Today · 4.125%
HK$49,678
baseline
▲ 0.50% · 4.625%
HK$52,700
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,356/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,005
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,399
−HK$1,415/mo
Today · 4.125%
HK$54,814
baseline
▲ 0.50% · 4.625%
HK$57,704
+HK$2,890/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,628/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,092 · Scale 2, in force from 26 Feb 2026)