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$25,898
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,704
−HK$818/mo
Today · 4.125%
HK$27,522
baseline
▲ 0.50% · 4.625%
HK$29,197
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,044/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,811
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,584
−HK$784/mo
Today · 4.125%
HK$30,368
baseline
▲ 0.50% · 4.625%
HK$31,969
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,736/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,078
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,044
−HK$982/mo
Today · 4.125%
HK$33,026
baseline
▲ 0.50% · 4.625%
HK$35,036
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,052/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,574
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,501
−HK$940/mo
Today · 4.125%
HK$36,441
baseline
▲ 0.50% · 4.625%
HK$38,362
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,882/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,257
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,385
−HK$1,146/mo
Today · 4.125%
HK$38,531
baseline
▲ 0.50% · 4.625%
HK$40,875
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,062/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,336
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,418
−HK$1,097/mo
Today · 4.125%
HK$42,515
baseline
▲ 0.50% · 4.625%
HK$44,756
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,030/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,616
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,066
−HK$1,474/mo
Today · 4.125%
HK$49,540
baseline
▲ 0.50% · 4.625%
HK$52,554
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,080/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,860
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,251
−HK$1,411/mo
Today · 4.125%
HK$54,662
baseline
▲ 0.50% · 4.625%
HK$57,544
+HK$2,882/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,324/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,907 · Scale 2, in force from 26 Feb 2026)