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$25,935
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,742
−HK$820/mo
Today · 4.125%
HK$27,562
baseline
▲ 0.50% · 4.625%
HK$29,239
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,124/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,853
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,627
−HK$785/mo
Today · 4.125%
HK$30,412
baseline
▲ 0.50% · 4.625%
HK$32,015
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,824/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,122
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,090
−HK$984/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$35,086
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,623
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,552
−HK$942/mo
Today · 4.125%
HK$36,494
baseline
▲ 0.50% · 4.625%
HK$38,418
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,988/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,309
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,439
−HK$1,147/mo
Today · 4.125%
HK$38,586
baseline
▲ 0.50% · 4.625%
HK$40,934
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,172/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,394
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,477
−HK$1,099/mo
Today · 4.125%
HK$42,576
baseline
▲ 0.50% · 4.625%
HK$44,820
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,152/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,684
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,136
−HK$1,475/mo
Today · 4.125%
HK$49,611
baseline
▲ 0.50% · 4.625%
HK$52,630
+HK$3,019/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,222/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,935
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,328
−HK$1,413/mo
Today · 4.125%
HK$54,741
baseline
▲ 0.50% · 4.625%
HK$57,626
+HK$2,885/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,482/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,520 · Scale 2, in force from 26 Feb 2026)