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$25,861
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,666
−HK$817/mo
Today · 4.125%
HK$27,483
baseline
▲ 0.50% · 4.625%
HK$29,155
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,966/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,771
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,542
−HK$783/mo
Today · 4.125%
HK$30,325
baseline
▲ 0.50% · 4.625%
HK$31,923
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,650/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,034
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,999
−HK$981/mo
Today · 4.125%
HK$32,980
baseline
▲ 0.50% · 4.625%
HK$34,987
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,960/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,525
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,451
−HK$939/mo
Today · 4.125%
HK$36,390
baseline
▲ 0.50% · 4.625%
HK$38,308
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,780/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,206
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,332
−HK$1,144/mo
Today · 4.125%
HK$38,476
baseline
▲ 0.50% · 4.625%
HK$40,818
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,952/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,279
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,359
−HK$1,096/mo
Today · 4.125%
HK$42,455
baseline
▲ 0.50% · 4.625%
HK$44,693
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,910/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,551
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,999
−HK$1,471/mo
Today · 4.125%
HK$49,470
baseline
▲ 0.50% · 4.625%
HK$52,480
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,940/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,787
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,176
−HK$1,409/mo
Today · 4.125%
HK$54,585
baseline
▲ 0.50% · 4.625%
HK$57,462
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,170/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,305 · Scale 2, in force from 26 Feb 2026)