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$25,961
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,769
−HK$820/mo
Today · 4.125%
HK$27,589
baseline
▲ 0.50% · 4.625%
HK$29,268
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,178/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,881
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,656
−HK$786/mo
Today · 4.125%
HK$30,442
baseline
▲ 0.50% · 4.625%
HK$32,046
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,884/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,153
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,122
−HK$985/mo
Today · 4.125%
HK$33,107
baseline
▲ 0.50% · 4.625%
HK$35,121
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,214/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,658
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,587
−HK$943/mo
Today · 4.125%
HK$36,530
baseline
▲ 0.50% · 4.625%
HK$38,456
+HK$1,926/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,060/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,346
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,476
−HK$1,149/mo
Today · 4.125%
HK$38,625
baseline
▲ 0.50% · 4.625%
HK$40,975
+HK$2,350/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,250/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,434
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,518
−HK$1,101/mo
Today · 4.125%
HK$42,619
baseline
▲ 0.50% · 4.625%
HK$44,865
+HK$2,246/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,238/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,730
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,184
−HK$1,476/mo
Today · 4.125%
HK$49,660
baseline
▲ 0.50% · 4.625%
HK$52,682
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,320/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,987
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,381
−HK$1,414/mo
Today · 4.125%
HK$54,795
baseline
▲ 0.50% · 4.625%
HK$57,684
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,590/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,944 · Scale 2, in force from 26 Feb 2026)