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$25,883
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,688
−HK$818/mo
Today · 4.125%
HK$27,506
baseline
▲ 0.50% · 4.625%
HK$29,180
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,012/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,795
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,567
−HK$783/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$31,950
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,060
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,026
−HK$981/mo
Today · 4.125%
HK$33,007
baseline
▲ 0.50% · 4.625%
HK$35,016
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,014/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,554
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,480
−HK$941/mo
Today · 4.125%
HK$36,421
baseline
▲ 0.50% · 4.625%
HK$38,340
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,842/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,236
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,364
−HK$1,145/mo
Today · 4.125%
HK$38,509
baseline
▲ 0.50% · 4.625%
HK$40,852
+HK$2,343/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,018/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,313
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,394
−HK$1,097/mo
Today · 4.125%
HK$42,491
baseline
▲ 0.50% · 4.625%
HK$44,730
+HK$2,239/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$84,982/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,590
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,039
−HK$1,472/mo
Today · 4.125%
HK$49,511
baseline
▲ 0.50% · 4.625%
HK$52,524
+HK$3,013/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,022/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,831
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,221
−HK$1,410/mo
Today · 4.125%
HK$54,631
baseline
▲ 0.50% · 4.625%
HK$57,510
+HK$2,879/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,262/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,662 · Scale 2, in force from 26 Feb 2026)