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$25,967
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,775
−HK$821/mo
Today · 4.125%
HK$27,596
baseline
▲ 0.50% · 4.625%
HK$29,275
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,192/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,888
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,663
−HK$786/mo
Today · 4.125%
HK$30,449
baseline
▲ 0.50% · 4.625%
HK$32,054
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,898/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,161
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,130
−HK$985/mo
Today · 4.125%
HK$33,115
baseline
▲ 0.50% · 4.625%
HK$35,130
+HK$2,015/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,230/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,666
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,596
−HK$943/mo
Today · 4.125%
HK$36,539
baseline
▲ 0.50% · 4.625%
HK$38,465
+HK$1,926/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,078/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,354
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,485
−HK$1,149/mo
Today · 4.125%
HK$38,634
baseline
▲ 0.50% · 4.625%
HK$40,985
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,268/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,444
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,529
−HK$1,100/mo
Today · 4.125%
HK$42,629
baseline
▲ 0.50% · 4.625%
HK$44,876
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,258/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,741
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,195
−HK$1,477/mo
Today · 4.125%
HK$49,672
baseline
▲ 0.50% · 4.625%
HK$52,695
+HK$3,023/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,344/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,999
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,394
−HK$1,415/mo
Today · 4.125%
HK$54,809
baseline
▲ 0.50% · 4.625%
HK$57,698
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,618/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,048 · Scale 2, in force from 26 Feb 2026)