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$25,960
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$820/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,266
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,880
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,654
−HK$786/mo
Today · 4.125%
HK$30,440
baseline
▲ 0.50% · 4.625%
HK$32,045
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,880/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,152
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,120
−HK$985/mo
Today · 4.125%
HK$33,105
baseline
▲ 0.50% · 4.625%
HK$35,119
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,210/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,656
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,585
−HK$943/mo
Today · 4.125%
HK$36,528
baseline
▲ 0.50% · 4.625%
HK$38,454
+HK$1,926/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,056/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,343
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,474
−HK$1,148/mo
Today · 4.125%
HK$38,622
baseline
▲ 0.50% · 4.625%
HK$40,973
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,244/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,432
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,516
−HK$1,100/mo
Today · 4.125%
HK$42,616
baseline
▲ 0.50% · 4.625%
HK$44,862
+HK$2,246/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,232/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,727
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,181
−HK$1,476/mo
Today · 4.125%
HK$49,657
baseline
▲ 0.50% · 4.625%
HK$52,679
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,314/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,984
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,378
−HK$1,414/mo
Today · 4.125%
HK$54,792
baseline
▲ 0.50% · 4.625%
HK$57,680
+HK$2,888/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,584/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,919 · Scale 2, in force from 26 Feb 2026)