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$25,873
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,678
−HK$817/mo
Today · 4.125%
HK$27,495
baseline
▲ 0.50% · 4.625%
HK$29,168
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,990/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,783
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,555
−HK$783/mo
Today · 4.125%
HK$30,338
baseline
▲ 0.50% · 4.625%
HK$31,938
+HK$1,600/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,676/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,047
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,013
−HK$981/mo
Today · 4.125%
HK$32,994
baseline
▲ 0.50% · 4.625%
HK$35,002
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,988/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,540
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,466
−HK$940/mo
Today · 4.125%
HK$36,406
baseline
▲ 0.50% · 4.625%
HK$38,325
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,812/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,222
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,349
−HK$1,144/mo
Today · 4.125%
HK$38,493
baseline
▲ 0.50% · 4.625%
HK$40,836
+HK$2,343/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,986/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,297
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,377
−HK$1,097/mo
Today · 4.125%
HK$42,474
baseline
▲ 0.50% · 4.625%
HK$44,713
+HK$2,239/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,948/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,571
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,020
−HK$1,472/mo
Today · 4.125%
HK$49,492
baseline
▲ 0.50% · 4.625%
HK$52,503
+HK$3,011/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,984/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,810
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,199
−HK$1,410/mo
Today · 4.125%
HK$54,609
baseline
▲ 0.50% · 4.625%
HK$57,488
+HK$2,879/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,218/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,493 · Scale 2, in force from 26 Feb 2026)