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$29,246
+HK$1,678/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$426,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,859
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,633
−HK$786/mo
Today · 4.125%
HK$30,419
baseline
▲ 0.50% · 4.625%
HK$32,022
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,838/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,130
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,098
−HK$984/mo
Today · 4.125%
HK$33,082
baseline
▲ 0.50% · 4.625%
HK$35,095
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,164/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,631
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,560
−HK$942/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$426,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,318
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,448
−HK$1,147/mo
Today · 4.125%
HK$38,595
baseline
▲ 0.50% · 4.625%
HK$40,944
+HK$2,349/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$426,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,403
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,487
−HK$1,099/mo
Today · 4.125%
HK$42,586
baseline
▲ 0.50% · 4.625%
HK$44,831
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,172/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,694
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,147
−HK$1,476/mo
Today · 4.125%
HK$49,623
baseline
▲ 0.50% · 4.625%
HK$52,642
+HK$3,019/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,246/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,947
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,340
−HK$1,414/mo
Today · 4.125%
HK$54,754
baseline
▲ 0.50% · 4.625%
HK$57,640
+HK$2,886/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,508/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,619 · Scale 2, in force from 26 Feb 2026)