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$25,865
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,670
−HK$817/mo
Today · 4.125%
HK$27,487
baseline
▲ 0.50% · 4.625%
HK$29,160
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,974/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,775
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,546
−HK$783/mo
Today · 4.125%
HK$30,329
baseline
▲ 0.50% · 4.625%
HK$31,928
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,658/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,038
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,004
−HK$981/mo
Today · 4.125%
HK$32,985
baseline
▲ 0.50% · 4.625%
HK$34,992
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,970/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,530
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,456
−HK$939/mo
Today · 4.125%
HK$36,395
baseline
▲ 0.50% · 4.625%
HK$38,314
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,790/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,211
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,338
−HK$1,144/mo
Today · 4.125%
HK$38,482
baseline
▲ 0.50% · 4.625%
HK$40,824
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,964/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,285
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,365
−HK$1,096/mo
Today · 4.125%
HK$42,461
baseline
▲ 0.50% · 4.625%
HK$44,699
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,922/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,557
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,006
−HK$1,471/mo
Today · 4.125%
HK$49,477
baseline
▲ 0.50% · 4.625%
HK$52,487
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,954/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,795
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,184
−HK$1,409/mo
Today · 4.125%
HK$54,593
baseline
▲ 0.50% · 4.625%
HK$57,471
+HK$2,878/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,186/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,367 · Scale 2, in force from 26 Feb 2026)