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$25,934
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,740
−HK$820/mo
Today · 4.125%
HK$27,560
baseline
▲ 0.50% · 4.625%
HK$29,237
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,120/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,851
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$785/mo
Today · 4.125%
HK$30,410
baseline
▲ 0.50% · 4.625%
HK$32,013
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,820/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,121
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,089
−HK$983/mo
Today · 4.125%
HK$33,072
baseline
▲ 0.50% · 4.625%
HK$35,084
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,144/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,621
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,550
−HK$942/mo
Today · 4.125%
HK$36,492
baseline
▲ 0.50% · 4.625%
HK$38,415
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,984/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,307
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,437
−HK$1,147/mo
Today · 4.125%
HK$38,584
baseline
▲ 0.50% · 4.625%
HK$40,932
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,168/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,391
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,475
−HK$1,099/mo
Today · 4.125%
HK$42,574
baseline
▲ 0.50% · 4.625%
HK$44,818
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,148/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,681
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,133
−HK$1,475/mo
Today · 4.125%
HK$49,608
baseline
▲ 0.50% · 4.625%
HK$52,627
+HK$3,019/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,216/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,932
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,325
−HK$1,413/mo
Today · 4.125%
HK$54,738
baseline
▲ 0.50% · 4.625%
HK$57,623
+HK$2,885/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,476/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,495 · Scale 2, in force from 26 Feb 2026)