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$25,907
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,713
−HK$818/mo
Today · 4.125%
HK$27,531
baseline
▲ 0.50% · 4.625%
HK$29,207
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,062/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,821
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,594
−HK$784/mo
Today · 4.125%
HK$30,378
baseline
▲ 0.50% · 4.625%
HK$31,980
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,756/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,088
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,055
−HK$983/mo
Today · 4.125%
HK$33,038
baseline
▲ 0.50% · 4.625%
HK$35,048
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,076/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,585
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,513
−HK$941/mo
Today · 4.125%
HK$36,454
baseline
▲ 0.50% · 4.625%
HK$38,375
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,908/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,270
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,398
−HK$1,146/mo
Today · 4.125%
HK$38,544
baseline
▲ 0.50% · 4.625%
HK$40,889
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,088/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,350
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,432
−HK$1,098/mo
Today · 4.125%
HK$42,530
baseline
▲ 0.50% · 4.625%
HK$44,771
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,060/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,632
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,083
−HK$1,474/mo
Today · 4.125%
HK$49,557
baseline
▲ 0.50% · 4.625%
HK$52,572
+HK$3,015/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,114/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,878
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,269
−HK$1,412/mo
Today · 4.125%
HK$54,681
baseline
▲ 0.50% · 4.625%
HK$57,563
+HK$2,882/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,362/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,052 · Scale 2, in force from 26 Feb 2026)