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$25,952
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,760
−HK$820/mo
Today · 4.125%
HK$27,580
baseline
▲ 0.50% · 4.625%
HK$29,258
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,160/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,872
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,646
−HK$786/mo
Today · 4.125%
HK$30,432
baseline
▲ 0.50% · 4.625%
HK$32,036
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,864/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,143
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,111
−HK$985/mo
Today · 4.125%
HK$33,096
baseline
▲ 0.50% · 4.625%
HK$35,109
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,192/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,646
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,575
−HK$943/mo
Today · 4.125%
HK$36,518
baseline
▲ 0.50% · 4.625%
HK$38,443
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,036/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,333
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,463
−HK$1,149/mo
Today · 4.125%
HK$38,612
baseline
▲ 0.50% · 4.625%
HK$40,961
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,224/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,420
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,504
−HK$1,100/mo
Today · 4.125%
HK$42,604
baseline
▲ 0.50% · 4.625%
HK$44,850
+HK$2,246/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,208/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,714
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,167
−HK$1,477/mo
Today · 4.125%
HK$49,644
baseline
▲ 0.50% · 4.625%
HK$52,664
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,288/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,969
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,363
−HK$1,414/mo
Today · 4.125%
HK$54,777
baseline
▲ 0.50% · 4.625%
HK$57,664
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,554/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,799 · Scale 2, in force from 26 Feb 2026)