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$25,945
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$819/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,864
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,638
−HK$785/mo
Today · 4.125%
HK$30,423
baseline
▲ 0.50% · 4.625%
HK$32,027
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,846/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,135
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,103
−HK$984/mo
Today · 4.125%
HK$33,087
baseline
▲ 0.50% · 4.625%
HK$35,100
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,174/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,637
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,566
−HK$942/mo
Today · 4.125%
HK$36,508
baseline
▲ 0.50% · 4.625%
HK$38,433
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,016/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,324
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,454
−HK$1,147/mo
Today · 4.125%
HK$38,601
baseline
▲ 0.50% · 4.625%
HK$40,950
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,202/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,410
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,493
−HK$1,100/mo
Today · 4.125%
HK$42,593
baseline
▲ 0.50% · 4.625%
HK$44,838
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,186/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,702
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,155
−HK$1,475/mo
Today · 4.125%
HK$49,630
baseline
▲ 0.50% · 4.625%
HK$52,650
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,260/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,955
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,349
−HK$1,413/mo
Today · 4.125%
HK$54,762
baseline
▲ 0.50% · 4.625%
HK$57,649
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,524/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,687 · Scale 2, in force from 26 Feb 2026)