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$25,947
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,754
−HK$820/mo
Today · 4.125%
HK$27,574
baseline
▲ 0.50% · 4.625%
HK$29,252
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,148/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,866
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,640
−HK$785/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,029
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,136
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,105
−HK$984/mo
Today · 4.125%
HK$33,089
baseline
▲ 0.50% · 4.625%
HK$35,102
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,178/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,639
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,568
−HK$942/mo
Today · 4.125%
HK$36,510
baseline
▲ 0.50% · 4.625%
HK$38,435
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,020/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,326
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,455
−HK$1,148/mo
Today · 4.125%
HK$38,603
baseline
▲ 0.50% · 4.625%
HK$40,952
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,206/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,412
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,496
−HK$1,099/mo
Today · 4.125%
HK$42,595
baseline
▲ 0.50% · 4.625%
HK$44,840
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,190/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,704
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,157
−HK$1,476/mo
Today · 4.125%
HK$49,633
baseline
▲ 0.50% · 4.625%
HK$52,653
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,266/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,958
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,351
−HK$1,414/mo
Today · 4.125%
HK$54,765
baseline
▲ 0.50% · 4.625%
HK$57,652
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,530/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,709 · Scale 2, in force from 26 Feb 2026)