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$25,951
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,758
−HK$820/mo
Today · 4.125%
HK$27,578
baseline
▲ 0.50% · 4.625%
HK$29,256
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,156/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,870
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,644
−HK$785/mo
Today · 4.125%
HK$30,429
baseline
▲ 0.50% · 4.625%
HK$32,033
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,858/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,141
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,109
−HK$984/mo
Today · 4.125%
HK$33,093
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,186/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,644
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,573
−HK$942/mo
Today · 4.125%
HK$36,515
baseline
▲ 0.50% · 4.625%
HK$38,440
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,030/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,331
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,461
−HK$1,148/mo
Today · 4.125%
HK$38,609
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,218/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,418
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,502
−HK$1,099/mo
Today · 4.125%
HK$42,601
baseline
▲ 0.50% · 4.625%
HK$44,847
+HK$2,246/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,202/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,711
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,164
−HK$1,476/mo
Today · 4.125%
HK$49,640
baseline
▲ 0.50% · 4.625%
HK$52,661
+HK$3,021/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,280/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,965
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,359
−HK$1,414/mo
Today · 4.125%
HK$54,773
baseline
▲ 0.50% · 4.625%
HK$57,660
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,546/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,770 · Scale 2, in force from 26 Feb 2026)