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$25,852
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,656
−HK$817/mo
Today · 4.125%
HK$27,473
baseline
▲ 0.50% · 4.625%
HK$29,145
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,946/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,760
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$782/mo
Today · 4.125%
HK$30,314
baseline
▲ 0.50% · 4.625%
HK$31,912
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,628/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,023
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,988
−HK$980/mo
Today · 4.125%
HK$32,968
baseline
▲ 0.50% · 4.625%
HK$34,974
+HK$2,006/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,936/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,512
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,438
−HK$939/mo
Today · 4.125%
HK$36,377
baseline
▲ 0.50% · 4.625%
HK$38,294
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,754/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,193
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,319
−HK$1,144/mo
Today · 4.125%
HK$38,463
baseline
▲ 0.50% · 4.625%
HK$40,803
+HK$2,340/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,926/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,264
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,344
−HK$1,096/mo
Today · 4.125%
HK$42,440
baseline
▲ 0.50% · 4.625%
HK$44,677
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,880/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,534
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,981
−HK$1,471/mo
Today · 4.125%
HK$49,452
baseline
▲ 0.50% · 4.625%
HK$52,461
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,904/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,769
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,157
−HK$1,408/mo
Today · 4.125%
HK$54,565
baseline
▲ 0.50% · 4.625%
HK$57,442
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,130/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,153 · Scale 2, in force from 26 Feb 2026)