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$25,890
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,695
−HK$818/mo
Today · 4.125%
HK$27,513
baseline
▲ 0.50% · 4.625%
HK$29,187
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,026/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,802
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,574
−HK$784/mo
Today · 4.125%
HK$30,358
baseline
▲ 0.50% · 4.625%
HK$31,958
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,716/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,067
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,034
−HK$982/mo
Today · 4.125%
HK$33,016
baseline
▲ 0.50% · 4.625%
HK$35,025
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,032/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,562
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,489
−HK$941/mo
Today · 4.125%
HK$36,430
baseline
▲ 0.50% · 4.625%
HK$38,350
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,860/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,245
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,373
−HK$1,145/mo
Today · 4.125%
HK$38,518
baseline
▲ 0.50% · 4.625%
HK$40,862
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,036/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,323
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,404
−HK$1,097/mo
Today · 4.125%
HK$42,501
baseline
▲ 0.50% · 4.625%
HK$44,741
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,002/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,601
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,051
−HK$1,472/mo
Today · 4.125%
HK$49,523
baseline
▲ 0.50% · 4.625%
HK$52,537
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,046/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,843
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,234
−HK$1,410/mo
Today · 4.125%
HK$54,644
baseline
▲ 0.50% · 4.625%
HK$57,525
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,288/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,768 · Scale 2, in force from 26 Feb 2026)