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$25,920
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,726
−HK$819/mo
Today · 4.125%
HK$27,545
baseline
▲ 0.50% · 4.625%
HK$29,221
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,090/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,836
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,609
−HK$784/mo
Today · 4.125%
HK$30,393
baseline
▲ 0.50% · 4.625%
HK$31,996
+HK$1,603/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,786/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,104
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,071
−HK$983/mo
Today · 4.125%
HK$33,054
baseline
▲ 0.50% · 4.625%
HK$35,066
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,108/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,603
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,531
−HK$941/mo
Today · 4.125%
HK$36,472
baseline
▲ 0.50% · 4.625%
HK$38,395
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,944/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,288
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,416
−HK$1,147/mo
Today · 4.125%
HK$38,563
baseline
▲ 0.50% · 4.625%
HK$40,910
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,126/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,370
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,452
−HK$1,099/mo
Today · 4.125%
HK$42,551
baseline
▲ 0.50% · 4.625%
HK$44,794
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,102/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,656
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,107
−HK$1,474/mo
Today · 4.125%
HK$49,581
baseline
▲ 0.50% · 4.625%
HK$52,598
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,162/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,904
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,296
−HK$1,412/mo
Today · 4.125%
HK$54,708
baseline
▲ 0.50% · 4.625%
HK$57,592
+HK$2,884/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,416/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,265 · Scale 2, in force from 26 Feb 2026)