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$25,969
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,777
−HK$821/mo
Today · 4.125%
HK$27,598
baseline
▲ 0.50% · 4.625%
HK$29,277
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,196/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,891
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$786/mo
Today · 4.125%
HK$30,452
baseline
▲ 0.50% · 4.625%
HK$32,057
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,904/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,163
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,133
−HK$985/mo
Today · 4.125%
HK$33,118
baseline
▲ 0.50% · 4.625%
HK$35,133
+HK$2,015/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,236/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,669
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,599
−HK$943/mo
Today · 4.125%
HK$36,542
baseline
▲ 0.50% · 4.625%
HK$38,468
+HK$1,926/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,084/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,357
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,488
−HK$1,149/mo
Today · 4.125%
HK$38,637
baseline
▲ 0.50% · 4.625%
HK$40,988
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,274/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,447
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,532
−HK$1,100/mo
Today · 4.125%
HK$42,632
baseline
▲ 0.50% · 4.625%
HK$44,879
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,264/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,745
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,199
−HK$1,477/mo
Today · 4.125%
HK$49,676
baseline
▲ 0.50% · 4.625%
HK$52,699
+HK$3,023/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,352/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,003
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,398
−HK$1,415/mo
Today · 4.125%
HK$54,813
baseline
▲ 0.50% · 4.625%
HK$57,702
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,626/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,081 · Scale 2, in force from 26 Feb 2026)