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$25,950
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,757
−HK$821/mo
Today · 4.125%
HK$27,578
baseline
▲ 0.50% · 4.625%
HK$29,256
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,156/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,869
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,644
−HK$785/mo
Today · 4.125%
HK$30,429
baseline
▲ 0.50% · 4.625%
HK$32,033
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,858/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,140
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,109
−HK$984/mo
Today · 4.125%
HK$33,093
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,186/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,643
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,572
−HK$943/mo
Today · 4.125%
HK$36,515
baseline
▲ 0.50% · 4.625%
HK$38,440
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,030/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,330
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,460
−HK$1,149/mo
Today · 4.125%
HK$38,609
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,218/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,417
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,501
−HK$1,100/mo
Today · 4.125%
HK$42,601
baseline
▲ 0.50% · 4.625%
HK$44,846
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,202/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,710
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,163
−HK$1,477/mo
Today · 4.125%
HK$49,640
baseline
▲ 0.50% · 4.625%
HK$52,660
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,280/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,965
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,359
−HK$1,413/mo
Today · 4.125%
HK$54,772
baseline
▲ 0.50% · 4.625%
HK$57,660
+HK$2,888/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,544/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,766 · Scale 2, in force from 26 Feb 2026)