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$25,904
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,710
−HK$819/mo
Today · 4.125%
HK$27,529
baseline
▲ 0.50% · 4.625%
HK$29,204
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,058/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,818
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,591
−HK$784/mo
Today · 4.125%
HK$30,375
baseline
▲ 0.50% · 4.625%
HK$31,976
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,750/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,085
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,052
−HK$982/mo
Today · 4.125%
HK$33,034
baseline
▲ 0.50% · 4.625%
HK$35,044
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,068/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,582
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,509
−HK$941/mo
Today · 4.125%
HK$36,450
baseline
▲ 0.50% · 4.625%
HK$38,371
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,900/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,266
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,394
−HK$1,146/mo
Today · 4.125%
HK$38,540
baseline
▲ 0.50% · 4.625%
HK$40,885
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,080/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,345
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,427
−HK$1,098/mo
Today · 4.125%
HK$42,525
baseline
▲ 0.50% · 4.625%
HK$44,767
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,050/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,628
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,078
−HK$1,473/mo
Today · 4.125%
HK$49,551
baseline
▲ 0.50% · 4.625%
HK$52,567
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,102/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,873
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,264
−HK$1,411/mo
Today · 4.125%
HK$54,675
baseline
▲ 0.50% · 4.625%
HK$57,557
+HK$2,882/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,350/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,008 · Scale 2, in force from 26 Feb 2026)