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$25,962
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,769
−HK$821/mo
Today · 4.125%
HK$27,590
baseline
▲ 0.50% · 4.625%
HK$29,268
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,180/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,882
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,657
−HK$785/mo
Today · 4.125%
HK$30,442
baseline
▲ 0.50% · 4.625%
HK$32,047
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,884/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,154
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,123
−HK$984/mo
Today · 4.125%
HK$33,107
baseline
▲ 0.50% · 4.625%
HK$35,122
+HK$2,015/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,214/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,658
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,588
−HK$943/mo
Today · 4.125%
HK$36,531
baseline
▲ 0.50% · 4.625%
HK$38,456
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,062/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,346
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,477
−HK$1,148/mo
Today · 4.125%
HK$38,625
baseline
▲ 0.50% · 4.625%
HK$40,976
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,250/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,435
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,519
−HK$1,100/mo
Today · 4.125%
HK$42,619
baseline
▲ 0.50% · 4.625%
HK$44,866
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,238/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,731
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,184
−HK$1,477/mo
Today · 4.125%
HK$49,661
baseline
▲ 0.50% · 4.625%
HK$52,683
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,322/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,988
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,382
−HK$1,414/mo
Today · 4.125%
HK$54,796
baseline
▲ 0.50% · 4.625%
HK$57,685
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,592/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,951 · Scale 2, in force from 26 Feb 2026)