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$25,885
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,690
−HK$818/mo
Today · 4.125%
HK$27,508
baseline
▲ 0.50% · 4.625%
HK$29,181
+HK$1,673/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,016/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,796
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,569
−HK$783/mo
Today · 4.125%
HK$30,352
baseline
▲ 0.50% · 4.625%
HK$31,952
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,704/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,061
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,028
−HK$981/mo
Today · 4.125%
HK$33,009
baseline
▲ 0.50% · 4.625%
HK$35,018
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,018/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,556
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,482
−HK$940/mo
Today · 4.125%
HK$36,422
baseline
▲ 0.50% · 4.625%
HK$38,342
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,844/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,238
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,366
−HK$1,145/mo
Today · 4.125%
HK$38,511
baseline
▲ 0.50% · 4.625%
HK$40,854
+HK$2,343/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,022/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,315
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,396
−HK$1,097/mo
Today · 4.125%
HK$42,493
baseline
▲ 0.50% · 4.625%
HK$44,733
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$84,986/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,592
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,041
−HK$1,473/mo
Today · 4.125%
HK$49,514
baseline
▲ 0.50% · 4.625%
HK$52,527
+HK$3,013/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,028/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,833
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,223
−HK$1,411/mo
Today · 4.125%
HK$54,634
baseline
▲ 0.50% · 4.625%
HK$57,514
+HK$2,880/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,268/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,685 · Scale 2, in force from 26 Feb 2026)