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$25,917
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,723
−HK$819/mo
Today · 4.125%
HK$27,542
baseline
▲ 0.50% · 4.625%
HK$29,218
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,084/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,833
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,606
−HK$784/mo
Today · 4.125%
HK$30,390
baseline
▲ 0.50% · 4.625%
HK$31,992
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,780/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,101
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,068
−HK$983/mo
Today · 4.125%
HK$33,051
baseline
▲ 0.50% · 4.625%
HK$35,062
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,102/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,599
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,527
−HK$941/mo
Today · 4.125%
HK$36,468
baseline
▲ 0.50% · 4.625%
HK$38,391
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,936/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,284
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,413
−HK$1,146/mo
Today · 4.125%
HK$38,559
baseline
▲ 0.50% · 4.625%
HK$40,906
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,118/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,366
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,448
−HK$1,099/mo
Today · 4.125%
HK$42,547
baseline
▲ 0.50% · 4.625%
HK$44,789
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,094/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,651
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,102
−HK$1,474/mo
Today · 4.125%
HK$49,576
baseline
▲ 0.50% · 4.625%
HK$52,593
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,152/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,899
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,291
−HK$1,412/mo
Today · 4.125%
HK$54,703
baseline
▲ 0.50% · 4.625%
HK$57,586
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,406/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,222 · Scale 2, in force from 26 Feb 2026)