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$25,851
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,655
−HK$817/mo
Today · 4.125%
HK$27,472
baseline
▲ 0.50% · 4.625%
HK$29,144
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,944/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,759
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,530
−HK$783/mo
Today · 4.125%
HK$30,313
baseline
▲ 0.50% · 4.625%
HK$31,910
+HK$1,597/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,626/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,021
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,986
−HK$980/mo
Today · 4.125%
HK$32,966
baseline
▲ 0.50% · 4.625%
HK$34,972
+HK$2,006/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,932/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,511
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,436
−HK$939/mo
Today · 4.125%
HK$36,375
baseline
▲ 0.50% · 4.625%
HK$38,292
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,750/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,191
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,317
−HK$1,144/mo
Today · 4.125%
HK$38,461
baseline
▲ 0.50% · 4.625%
HK$40,801
+HK$2,340/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,922/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,262
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,342
−HK$1,096/mo
Today · 4.125%
HK$42,438
baseline
▲ 0.50% · 4.625%
HK$44,675
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,876/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,532
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,979
−HK$1,470/mo
Today · 4.125%
HK$49,449
baseline
▲ 0.50% · 4.625%
HK$52,458
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,898/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,766
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,154
−HK$1,409/mo
Today · 4.125%
HK$54,563
baseline
▲ 0.50% · 4.625%
HK$57,439
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,126/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,131 · Scale 2, in force from 26 Feb 2026)