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$25,856
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,660
−HK$817/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$29,149
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,764
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,536
−HK$782/mo
Today · 4.125%
HK$30,318
baseline
▲ 0.50% · 4.625%
HK$31,916
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,636/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,027
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,992
−HK$981/mo
Today · 4.125%
HK$32,973
baseline
▲ 0.50% · 4.625%
HK$34,979
+HK$2,006/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,946/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,517
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,443
−HK$939/mo
Today · 4.125%
HK$36,382
baseline
▲ 0.50% · 4.625%
HK$38,300
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,764/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,198
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,324
−HK$1,144/mo
Today · 4.125%
HK$38,468
baseline
▲ 0.50% · 4.625%
HK$40,809
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,936/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,270
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,350
−HK$1,096/mo
Today · 4.125%
HK$42,446
baseline
▲ 0.50% · 4.625%
HK$44,683
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,892/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,540
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,988
−HK$1,471/mo
Today · 4.125%
HK$49,459
baseline
▲ 0.50% · 4.625%
HK$52,468
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,918/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,776
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,164
−HK$1,409/mo
Today · 4.125%
HK$54,573
baseline
▲ 0.50% · 4.625%
HK$57,450
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,146/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,212 · Scale 2, in force from 26 Feb 2026)