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$25,867
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,671
−HK$818/mo
Today · 4.125%
HK$27,489
baseline
▲ 0.50% · 4.625%
HK$29,161
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,978/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,776
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,548
−HK$783/mo
Today · 4.125%
HK$30,331
baseline
▲ 0.50% · 4.625%
HK$31,930
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,662/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,040
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,005
−HK$981/mo
Today · 4.125%
HK$32,986
baseline
▲ 0.50% · 4.625%
HK$34,994
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,972/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,532
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,458
−HK$939/mo
Today · 4.125%
HK$36,397
baseline
▲ 0.50% · 4.625%
HK$38,316
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,794/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,213
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,340
−HK$1,144/mo
Today · 4.125%
HK$38,484
baseline
▲ 0.50% · 4.625%
HK$40,826
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,968/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,287
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,367
−HK$1,097/mo
Today · 4.125%
HK$42,464
baseline
▲ 0.50% · 4.625%
HK$44,702
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,928/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,560
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,008
−HK$1,472/mo
Today · 4.125%
HK$49,480
baseline
▲ 0.50% · 4.625%
HK$52,490
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,960/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,797
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,409/mo
Today · 4.125%
HK$54,596
baseline
▲ 0.50% · 4.625%
HK$57,474
+HK$2,878/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,192/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,391 · Scale 2, in force from 26 Feb 2026)