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$25,946
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$820/mo
Today · 4.125%
HK$27,573
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,146/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,864
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,638
−HK$786/mo
Today · 4.125%
HK$30,424
baseline
▲ 0.50% · 4.625%
HK$32,027
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,848/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,135
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,103
−HK$984/mo
Today · 4.125%
HK$33,087
baseline
▲ 0.50% · 4.625%
HK$35,100
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,174/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,637
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,566
−HK$942/mo
Today · 4.125%
HK$36,508
baseline
▲ 0.50% · 4.625%
HK$38,433
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,016/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,324
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,454
−HK$1,148/mo
Today · 4.125%
HK$38,602
baseline
▲ 0.50% · 4.625%
HK$40,950
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,204/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,410
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,494
−HK$1,099/mo
Today · 4.125%
HK$42,593
baseline
▲ 0.50% · 4.625%
HK$44,838
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,186/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,702
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,155
−HK$1,476/mo
Today · 4.125%
HK$49,631
baseline
▲ 0.50% · 4.625%
HK$52,651
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,262/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,956
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,349
−HK$1,414/mo
Today · 4.125%
HK$54,763
baseline
▲ 0.50% · 4.625%
HK$57,649
+HK$2,886/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,526/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,689 · Scale 2, in force from 26 Feb 2026)