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$25,881
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,687
−HK$817/mo
Today · 4.125%
HK$27,504
baseline
▲ 0.50% · 4.625%
HK$29,178
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,008/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,793
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,565
−HK$783/mo
Today · 4.125%
HK$30,348
baseline
▲ 0.50% · 4.625%
HK$31,948
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,696/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,058
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,024
−HK$981/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$35,014
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,551
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,478
−HK$940/mo
Today · 4.125%
HK$36,418
baseline
▲ 0.50% · 4.625%
HK$38,338
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,836/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,234
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,361
−HK$1,145/mo
Today · 4.125%
HK$38,506
baseline
▲ 0.50% · 4.625%
HK$40,849
+HK$2,343/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,012/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,310
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,391
−HK$1,097/mo
Today · 4.125%
HK$42,488
baseline
▲ 0.50% · 4.625%
HK$44,727
+HK$2,239/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$84,976/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,587
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,036
−HK$1,472/mo
Today · 4.125%
HK$49,508
baseline
▲ 0.50% · 4.625%
HK$52,520
+HK$3,012/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,016/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,827
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,217
−HK$1,410/mo
Today · 4.125%
HK$54,627
baseline
▲ 0.50% · 4.625%
HK$57,507
+HK$2,880/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,254/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,634 · Scale 2, in force from 26 Feb 2026)