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$25,928
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,734
−HK$820/mo
Today · 4.125%
HK$27,554
baseline
▲ 0.50% · 4.625%
HK$29,230
+HK$1,676/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,108/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,844
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,618
−HK$785/mo
Today · 4.125%
HK$30,403
baseline
▲ 0.50% · 4.625%
HK$32,005
+HK$1,602/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,806/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,113
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,081
−HK$984/mo
Today · 4.125%
HK$33,065
baseline
▲ 0.50% · 4.625%
HK$35,076
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,130/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,613
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,542
−HK$941/mo
Today · 4.125%
HK$36,483
baseline
▲ 0.50% · 4.625%
HK$38,407
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,966/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,299
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,428
−HK$1,147/mo
Today · 4.125%
HK$38,575
baseline
▲ 0.50% · 4.625%
HK$40,922
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,150/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,382
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,465
−HK$1,099/mo
Today · 4.125%
HK$42,564
baseline
▲ 0.50% · 4.625%
HK$44,808
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,128/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,670
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,122
−HK$1,475/mo
Today · 4.125%
HK$49,597
baseline
▲ 0.50% · 4.625%
HK$52,615
+HK$3,018/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,194/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,920
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,313
−HK$1,412/mo
Today · 4.125%
HK$54,725
baseline
▲ 0.50% · 4.625%
HK$57,610
+HK$2,885/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,450/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,398 · Scale 2, in force from 26 Feb 2026)