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$25,890
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,695
−HK$819/mo
Today · 4.125%
HK$27,514
baseline
▲ 0.50% · 4.625%
HK$29,188
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,028/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,802
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,575
−HK$783/mo
Today · 4.125%
HK$30,358
baseline
▲ 0.50% · 4.625%
HK$31,959
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,716/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,068
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,034
−HK$982/mo
Today · 4.125%
HK$33,016
baseline
▲ 0.50% · 4.625%
HK$35,025
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,032/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,563
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,490
−HK$940/mo
Today · 4.125%
HK$36,430
baseline
▲ 0.50% · 4.625%
HK$38,350
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,860/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,246
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,373
−HK$1,146/mo
Today · 4.125%
HK$38,519
baseline
▲ 0.50% · 4.625%
HK$40,863
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,038/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,323
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,405
−HK$1,097/mo
Today · 4.125%
HK$42,502
baseline
▲ 0.50% · 4.625%
HK$44,742
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,004/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,602
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,052
−HK$1,472/mo
Today · 4.125%
HK$49,524
baseline
▲ 0.50% · 4.625%
HK$52,538
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,048/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,844
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,235
−HK$1,410/mo
Today · 4.125%
HK$54,645
baseline
▲ 0.50% · 4.625%
HK$57,526
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,290/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,775 · Scale 2, in force from 26 Feb 2026)