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$25,908
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,713
−HK$819/mo
Today · 4.125%
HK$27,532
baseline
▲ 0.50% · 4.625%
HK$29,208
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,064/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,822
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,595
−HK$784/mo
Today · 4.125%
HK$30,379
baseline
▲ 0.50% · 4.625%
HK$31,980
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,758/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,089
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,056
−HK$983/mo
Today · 4.125%
HK$33,039
baseline
▲ 0.50% · 4.625%
HK$35,049
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,078/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,586
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,514
−HK$941/mo
Today · 4.125%
HK$36,455
baseline
▲ 0.50% · 4.625%
HK$38,377
+HK$1,922/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,910/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,271
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,399
−HK$1,146/mo
Today · 4.125%
HK$38,545
baseline
▲ 0.50% · 4.625%
HK$40,891
+HK$2,346/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,090/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,351
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,433
−HK$1,098/mo
Today · 4.125%
HK$42,531
baseline
▲ 0.50% · 4.625%
HK$44,773
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,062/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,634
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,084
−HK$1,474/mo
Today · 4.125%
HK$49,558
baseline
▲ 0.50% · 4.625%
HK$52,574
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,116/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,880
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,271
−HK$1,411/mo
Today · 4.125%
HK$54,682
baseline
▲ 0.50% · 4.625%
HK$57,565
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,364/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,065 · Scale 2, in force from 26 Feb 2026)