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$25,912
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,718
−HK$819/mo
Today · 4.125%
HK$27,537
baseline
▲ 0.50% · 4.625%
HK$29,213
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,074/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,827
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,600
−HK$785/mo
Today · 4.125%
HK$30,385
baseline
▲ 0.50% · 4.625%
HK$31,986
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,770/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,095
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,062
−HK$983/mo
Today · 4.125%
HK$33,045
baseline
▲ 0.50% · 4.625%
HK$35,055
+HK$2,010/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,090/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,593
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,520
−HK$942/mo
Today · 4.125%
HK$36,462
baseline
▲ 0.50% · 4.625%
HK$38,383
+HK$1,921/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,924/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,277
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,406
−HK$1,146/mo
Today · 4.125%
HK$38,552
baseline
▲ 0.50% · 4.625%
HK$40,898
+HK$2,346/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,104/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,358
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,440
−HK$1,098/mo
Today · 4.125%
HK$42,538
baseline
▲ 0.50% · 4.625%
HK$44,781
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,076/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,642
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,093
−HK$1,474/mo
Today · 4.125%
HK$49,567
baseline
▲ 0.50% · 4.625%
HK$52,583
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,134/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,889
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,281
−HK$1,411/mo
Today · 4.125%
HK$54,692
baseline
▲ 0.50% · 4.625%
HK$57,575
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,384/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,142 · Scale 2, in force from 26 Feb 2026)