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$25,964
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,771
−HK$821/mo
Today · 4.125%
HK$27,592
baseline
▲ 0.50% · 4.625%
HK$29,271
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,184/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,884
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,659
−HK$786/mo
Today · 4.125%
HK$30,445
baseline
▲ 0.50% · 4.625%
HK$32,050
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,890/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,157
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,126
−HK$984/mo
Today · 4.125%
HK$33,110
baseline
▲ 0.50% · 4.625%
HK$35,125
+HK$2,015/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,220/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,661
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,591
−HK$943/mo
Today · 4.125%
HK$36,534
baseline
▲ 0.50% · 4.625%
HK$38,460
+HK$1,926/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,068/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,349
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,480
−HK$1,149/mo
Today · 4.125%
HK$38,629
baseline
▲ 0.50% · 4.625%
HK$40,979
+HK$2,350/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,258/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,438
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,523
−HK$1,100/mo
Today · 4.125%
HK$42,623
baseline
▲ 0.50% · 4.625%
HK$44,870
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,246/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,735
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,189
−HK$1,477/mo
Today · 4.125%
HK$49,666
baseline
▲ 0.50% · 4.625%
HK$52,688
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,332/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,992
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,386
−HK$1,415/mo
Today · 4.125%
HK$54,801
baseline
▲ 0.50% · 4.625%
HK$57,690
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,602/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,989 · Scale 2, in force from 26 Feb 2026)