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$25,899
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,704
−HK$819/mo
Today · 4.125%
HK$27,523
baseline
▲ 0.50% · 4.625%
HK$29,197
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,046/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,812
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,585
−HK$783/mo
Today · 4.125%
HK$30,368
baseline
▲ 0.50% · 4.625%
HK$31,969
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,736/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,078
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,045
−HK$982/mo
Today · 4.125%
HK$33,027
baseline
▲ 0.50% · 4.625%
HK$35,037
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,054/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,574
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,501
−HK$941/mo
Today · 4.125%
HK$36,442
baseline
▲ 0.50% · 4.625%
HK$38,363
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,884/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,258
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,386
−HK$1,146/mo
Today · 4.125%
HK$38,532
baseline
▲ 0.50% · 4.625%
HK$40,876
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,064/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,337
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,418
−HK$1,098/mo
Today · 4.125%
HK$42,516
baseline
▲ 0.50% · 4.625%
HK$44,757
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,032/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,617
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,067
−HK$1,474/mo
Today · 4.125%
HK$49,541
baseline
▲ 0.50% · 4.625%
HK$52,555
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,082/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,861
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,252
−HK$1,411/mo
Today · 4.125%
HK$54,663
baseline
▲ 0.50% · 4.625%
HK$57,545
+HK$2,882/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,326/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,915 · Scale 2, in force from 26 Feb 2026)