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$25,950
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,757
−HK$820/mo
Today · 4.125%
HK$27,577
baseline
▲ 0.50% · 4.625%
HK$29,255
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,154/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,869
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,643
−HK$785/mo
Today · 4.125%
HK$30,428
baseline
▲ 0.50% · 4.625%
HK$32,032
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,856/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,139
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,108
−HK$984/mo
Today · 4.125%
HK$33,092
baseline
▲ 0.50% · 4.625%
HK$35,106
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,184/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,642
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,571
−HK$943/mo
Today · 4.125%
HK$36,514
baseline
▲ 0.50% · 4.625%
HK$38,439
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,028/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,329
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,459
−HK$1,148/mo
Today · 4.125%
HK$38,607
baseline
▲ 0.50% · 4.625%
HK$40,957
+HK$2,350/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,214/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,416
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,500
−HK$1,100/mo
Today · 4.125%
HK$42,600
baseline
▲ 0.50% · 4.625%
HK$44,845
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,200/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,709
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,162
−HK$1,476/mo
Today · 4.125%
HK$49,638
baseline
▲ 0.50% · 4.625%
HK$52,659
+HK$3,021/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,276/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,963
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,357
−HK$1,414/mo
Today · 4.125%
HK$54,771
baseline
▲ 0.50% · 4.625%
HK$57,658
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,542/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,754 · Scale 2, in force from 26 Feb 2026)