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$25,941
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,748
−HK$820/mo
Today · 4.125%
HK$27,568
baseline
▲ 0.50% · 4.625%
HK$29,245
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,136/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,859
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,633
−HK$785/mo
Today · 4.125%
HK$30,418
baseline
▲ 0.50% · 4.625%
HK$32,021
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,836/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,129
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,097
−HK$984/mo
Today · 4.125%
HK$33,081
baseline
▲ 0.50% · 4.625%
HK$35,094
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,162/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,631
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,559
−HK$943/mo
Today · 4.125%
HK$36,502
baseline
▲ 0.50% · 4.625%
HK$38,426
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,004/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,317
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,447
−HK$1,148/mo
Today · 4.125%
HK$38,595
baseline
▲ 0.50% · 4.625%
HK$40,943
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,190/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,402
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,486
−HK$1,099/mo
Today · 4.125%
HK$42,585
baseline
▲ 0.50% · 4.625%
HK$44,830
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,170/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,693
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,146
−HK$1,476/mo
Today · 4.125%
HK$49,622
baseline
▲ 0.50% · 4.625%
HK$52,641
+HK$3,019/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,244/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,946
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,339
−HK$1,413/mo
Today · 4.125%
HK$54,752
baseline
▲ 0.50% · 4.625%
HK$57,639
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,504/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,611 · Scale 2, in force from 26 Feb 2026)