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$1,626/mo
▼ 0.25% · 3.875%
HK$26,724
−HK$819/mo
Today · 4.125%
HK$27,543
baseline
▲ 0.50% · 4.625%
HK$29,219
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,086/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,833
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,606
−HK$785/mo
Today · 4.125%
HK$30,391
baseline
▲ 0.50% · 4.625%
HK$31,993
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,782/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,227 · 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$426,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,600
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,527
−HK$942/mo
Today · 4.125%
HK$36,469
baseline
▲ 0.50% · 4.625%
HK$38,391
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,938/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,284
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,413
−HK$1,147/mo
Today · 4.125%
HK$38,560
baseline
▲ 0.50% · 4.625%
HK$40,906
+HK$2,346/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,120/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,366
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,449
−HK$1,098/mo
Today · 4.125%
HK$42,547
baseline
▲ 0.50% · 4.625%
HK$44,790
+HK$2,243/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$426,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,651
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,103
−HK$1,474/mo
Today · 4.125%
HK$49,577
baseline
▲ 0.50% · 4.625%
HK$52,594
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,154/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,227 · 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$57,587
+HK$2,884/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$426,227 · Scale 2, in force from 26 Feb 2026)