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$25,847
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,651
−HK$817/mo
Today · 4.125%
HK$27,468
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,936/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,754
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,525
−HK$783/mo
Today · 4.125%
HK$30,308
baseline
▲ 0.50% · 4.625%
HK$31,905
+HK$1,597/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,616/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,016
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,981
−HK$980/mo
Today · 4.125%
HK$32,961
baseline
▲ 0.50% · 4.625%
HK$34,967
+HK$2,006/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,922/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,505
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,431
−HK$938/mo
Today · 4.125%
HK$36,369
baseline
▲ 0.50% · 4.625%
HK$38,286
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,738/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,185
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,311
−HK$1,144/mo
Today · 4.125%
HK$38,455
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,910/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,256
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,336
−HK$1,095/mo
Today · 4.125%
HK$42,431
baseline
▲ 0.50% · 4.625%
HK$44,667
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,862/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,524
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,971
−HK$1,471/mo
Today · 4.125%
HK$49,442
baseline
▲ 0.50% · 4.625%
HK$52,450
+HK$3,008/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,884/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,758
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,146
−HK$1,408/mo
Today · 4.125%
HK$54,554
baseline
▲ 0.50% · 4.625%
HK$57,430
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,108/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,064 · Scale 2, in force from 26 Feb 2026)