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$25,923
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,729
−HK$820/mo
Today · 4.125%
HK$27,549
baseline
▲ 0.50% · 4.625%
HK$29,225
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,098/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,839
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,613
−HK$784/mo
Today · 4.125%
HK$30,397
baseline
▲ 0.50% · 4.625%
HK$32,000
+HK$1,603/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,794/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,108
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,075
−HK$983/mo
Today · 4.125%
HK$33,058
baseline
▲ 0.50% · 4.625%
HK$35,070
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,116/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,607
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,535
−HK$942/mo
Today · 4.125%
HK$36,477
baseline
▲ 0.50% · 4.625%
HK$38,399
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,954/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,292
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,421
−HK$1,147/mo
Today · 4.125%
HK$38,568
baseline
▲ 0.50% · 4.625%
HK$40,915
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,136/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,375
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,458
−HK$1,098/mo
Today · 4.125%
HK$42,556
baseline
▲ 0.50% · 4.625%
HK$44,799
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,112/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,662
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,113
−HK$1,475/mo
Today · 4.125%
HK$49,588
baseline
▲ 0.50% · 4.625%
HK$52,605
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,176/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,911
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,303
−HK$1,412/mo
Today · 4.125%
HK$54,715
baseline
▲ 0.50% · 4.625%
HK$57,599
+HK$2,884/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,430/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,319 · Scale 2, in force from 26 Feb 2026)