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$25,948
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,755
−HK$820/mo
Today · 4.125%
HK$27,575
baseline
▲ 0.50% · 4.625%
HK$29,253
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,150/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,867
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,641
−HK$785/mo
Today · 4.125%
HK$30,426
baseline
▲ 0.50% · 4.625%
HK$32,030
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,852/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,138
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,106
−HK$984/mo
Today · 4.125%
HK$33,090
baseline
▲ 0.50% · 4.625%
HK$35,104
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,180/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,640
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,569
−HK$943/mo
Today · 4.125%
HK$36,512
baseline
▲ 0.50% · 4.625%
HK$38,436
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,024/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,327
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,457
−HK$1,148/mo
Today · 4.125%
HK$38,605
baseline
▲ 0.50% · 4.625%
HK$40,954
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,210/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,414
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,497
−HK$1,100/mo
Today · 4.125%
HK$42,597
baseline
▲ 0.50% · 4.625%
HK$44,842
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,194/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,706
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,159
−HK$1,476/mo
Today · 4.125%
HK$49,635
baseline
▲ 0.50% · 4.625%
HK$52,655
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,270/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,960
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,354
−HK$1,414/mo
Today · 4.125%
HK$54,768
baseline
▲ 0.50% · 4.625%
HK$57,654
+HK$2,886/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,536/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,728 · Scale 2, in force from 26 Feb 2026)