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$25,878
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,683
−HK$817/mo
Today · 4.125%
HK$27,500
baseline
▲ 0.50% · 4.625%
HK$29,174
+HK$1,674/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$55,000/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,789
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,561
−HK$783/mo
Today · 4.125%
HK$30,344
baseline
▲ 0.50% · 4.625%
HK$31,944
+HK$1,600/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,688/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,053
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,019
−HK$982/mo
Today · 4.125%
HK$33,001
baseline
▲ 0.50% · 4.625%
HK$35,009
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,002/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,546
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,473
−HK$940/mo
Today · 4.125%
HK$36,413
baseline
▲ 0.50% · 4.625%
HK$38,332
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,826/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,229
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,356
−HK$1,145/mo
Today · 4.125%
HK$38,501
baseline
▲ 0.50% · 4.625%
HK$40,843
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$77,002/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,304
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,385
−HK$1,097/mo
Today · 4.125%
HK$42,482
baseline
▲ 0.50% · 4.625%
HK$44,721
+HK$2,239/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,964/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,580
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,029
−HK$1,472/mo
Today · 4.125%
HK$49,501
baseline
▲ 0.50% · 4.625%
HK$52,513
+HK$3,012/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$99,002/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,820
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,209
−HK$1,410/mo
Today · 4.125%
HK$54,619
baseline
▲ 0.50% · 4.625%
HK$57,498
+HK$2,879/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,238/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,573 · Scale 2, in force from 26 Feb 2026)