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$25,894
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,699
−HK$819/mo
Today · 4.125%
HK$27,518
baseline
▲ 0.50% · 4.625%
HK$29,192
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,036/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,807
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,579
−HK$784/mo
Today · 4.125%
HK$30,363
baseline
▲ 0.50% · 4.625%
HK$31,964
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,726/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,073
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,039
−HK$982/mo
Today · 4.125%
HK$33,021
baseline
▲ 0.50% · 4.625%
HK$35,030
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,042/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,568
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,495
−HK$941/mo
Today · 4.125%
HK$36,436
baseline
▲ 0.50% · 4.625%
HK$38,356
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,872/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,251
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,379
−HK$1,146/mo
Today · 4.125%
HK$38,525
baseline
▲ 0.50% · 4.625%
HK$40,869
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,050/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,329
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,411
−HK$1,097/mo
Today · 4.125%
HK$42,508
baseline
▲ 0.50% · 4.625%
HK$44,749
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,016/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,609
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,059
−HK$1,473/mo
Today · 4.125%
HK$49,532
baseline
▲ 0.50% · 4.625%
HK$52,546
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,064/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,852
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,243
−HK$1,411/mo
Today · 4.125%
HK$54,654
baseline
▲ 0.50% · 4.625%
HK$57,534
+HK$2,880/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,308/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,839 · Scale 2, in force from 26 Feb 2026)