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$25,852
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,657
−HK$817/mo
Today · 4.125%
HK$27,474
baseline
▲ 0.50% · 4.625%
HK$29,145
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,948/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,761
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$782/mo
Today · 4.125%
HK$30,314
baseline
▲ 0.50% · 4.625%
HK$31,912
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,628/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,023
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,988
−HK$980/mo
Today · 4.125%
HK$32,968
baseline
▲ 0.50% · 4.625%
HK$34,974
+HK$2,006/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,936/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,513
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,438
−HK$939/mo
Today · 4.125%
HK$36,377
baseline
▲ 0.50% · 4.625%
HK$38,295
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,754/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,193
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,319
−HK$1,144/mo
Today · 4.125%
HK$38,463
baseline
▲ 0.50% · 4.625%
HK$40,804
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,926/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,265
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,345
−HK$1,095/mo
Today · 4.125%
HK$42,440
baseline
▲ 0.50% · 4.625%
HK$44,677
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,880/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,534
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,982
−HK$1,471/mo
Today · 4.125%
HK$49,453
baseline
▲ 0.50% · 4.625%
HK$52,462
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,906/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,769
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,158
−HK$1,408/mo
Today · 4.125%
HK$54,566
baseline
▲ 0.50% · 4.625%
HK$57,442
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,132/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,158 · Scale 2, in force from 26 Feb 2026)