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$25,891
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,696
−HK$818/mo
Today · 4.125%
HK$27,514
baseline
▲ 0.50% · 4.625%
HK$29,189
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,028/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,803
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,576
−HK$783/mo
Today · 4.125%
HK$30,359
baseline
▲ 0.50% · 4.625%
HK$31,960
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,718/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,069
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,035
−HK$982/mo
Today · 4.125%
HK$33,017
baseline
▲ 0.50% · 4.625%
HK$35,026
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,034/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,564
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,491
−HK$940/mo
Today · 4.125%
HK$36,431
baseline
▲ 0.50% · 4.625%
HK$38,352
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,862/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,247
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,375
−HK$1,145/mo
Today · 4.125%
HK$38,520
baseline
▲ 0.50% · 4.625%
HK$40,864
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,040/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,325
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,406
−HK$1,097/mo
Today · 4.125%
HK$42,503
baseline
▲ 0.50% · 4.625%
HK$44,744
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,006/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,603
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,053
−HK$1,473/mo
Today · 4.125%
HK$49,526
baseline
▲ 0.50% · 4.625%
HK$52,539
+HK$3,013/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,052/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,846
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,236
−HK$1,411/mo
Today · 4.125%
HK$54,647
baseline
▲ 0.50% · 4.625%
HK$57,528
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,294/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,789 · Scale 2, in force from 26 Feb 2026)