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$25,944
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,751
−HK$820/mo
Today · 4.125%
HK$27,571
baseline
▲ 0.50% · 4.625%
HK$29,249
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,142/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,863
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,637
−HK$785/mo
Today · 4.125%
HK$30,422
baseline
▲ 0.50% · 4.625%
HK$32,026
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,844/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,133
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,102
−HK$984/mo
Today · 4.125%
HK$33,086
baseline
▲ 0.50% · 4.625%
HK$35,099
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,172/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,635
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,564
−HK$943/mo
Today · 4.125%
HK$36,507
baseline
▲ 0.50% · 4.625%
HK$38,431
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,014/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,322
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,452
−HK$1,148/mo
Today · 4.125%
HK$38,600
baseline
▲ 0.50% · 4.625%
HK$40,949
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,200/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,408
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,492
−HK$1,099/mo
Today · 4.125%
HK$42,591
baseline
▲ 0.50% · 4.625%
HK$44,836
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,182/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,700
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,153
−HK$1,475/mo
Today · 4.125%
HK$49,628
baseline
▲ 0.50% · 4.625%
HK$52,648
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,256/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,953
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,347
−HK$1,413/mo
Today · 4.125%
HK$54,760
baseline
▲ 0.50% · 4.625%
HK$57,647
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,520/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,670 · Scale 2, in force from 26 Feb 2026)