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$25,968
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,776
−HK$821/mo
Today · 4.125%
HK$27,597
baseline
▲ 0.50% · 4.625%
HK$29,276
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,194/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,890
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,664
−HK$786/mo
Today · 4.125%
HK$30,450
baseline
▲ 0.50% · 4.625%
HK$32,055
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,900/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,162
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,131
−HK$985/mo
Today · 4.125%
HK$33,116
baseline
▲ 0.50% · 4.625%
HK$35,131
+HK$2,015/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,232/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,667
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,597
−HK$943/mo
Today · 4.125%
HK$36,540
baseline
▲ 0.50% · 4.625%
HK$38,467
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,080/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,356
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,487
−HK$1,149/mo
Today · 4.125%
HK$38,636
baseline
▲ 0.50% · 4.625%
HK$40,986
+HK$2,350/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,272/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,445
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,530
−HK$1,101/mo
Today · 4.125%
HK$42,631
baseline
▲ 0.50% · 4.625%
HK$44,878
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,262/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,743
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,197
−HK$1,477/mo
Today · 4.125%
HK$49,674
baseline
▲ 0.50% · 4.625%
HK$52,697
+HK$3,023/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,348/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,001
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,396
−HK$1,415/mo
Today · 4.125%
HK$54,811
baseline
▲ 0.50% · 4.625%
HK$57,700
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,622/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,064 · Scale 2, in force from 26 Feb 2026)