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$25,858
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$817/mo
Today · 4.125%
HK$27,479
baseline
▲ 0.50% · 4.625%
HK$29,151
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,958/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,766
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,538
−HK$782/mo
Today · 4.125%
HK$30,320
baseline
▲ 0.50% · 4.625%
HK$31,919
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,640/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,029
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,994
−HK$981/mo
Today · 4.125%
HK$32,975
baseline
▲ 0.50% · 4.625%
HK$34,981
+HK$2,006/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,950/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,520
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,445
−HK$940/mo
Today · 4.125%
HK$36,385
baseline
▲ 0.50% · 4.625%
HK$38,302
+HK$1,917/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,770/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,201
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,327
−HK$1,144/mo
Today · 4.125%
HK$38,471
baseline
▲ 0.50% · 4.625%
HK$40,812
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,942/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,273
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,353
−HK$1,096/mo
Today · 4.125%
HK$42,449
baseline
▲ 0.50% · 4.625%
HK$44,686
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,898/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,544
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,991
−HK$1,471/mo
Today · 4.125%
HK$49,462
baseline
▲ 0.50% · 4.625%
HK$52,472
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,924/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,779
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,168
−HK$1,409/mo
Today · 4.125%
HK$54,577
baseline
▲ 0.50% · 4.625%
HK$57,454
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,154/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,242 · Scale 2, in force from 26 Feb 2026)