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$25,955
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,763
−HK$820/mo
Today · 4.125%
HK$27,583
baseline
▲ 0.50% · 4.625%
HK$29,261
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,166/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,875
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,649
−HK$786/mo
Today · 4.125%
HK$30,435
baseline
▲ 0.50% · 4.625%
HK$32,039
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,870/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,146
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,115
−HK$984/mo
Today · 4.125%
HK$33,099
baseline
▲ 0.50% · 4.625%
HK$35,113
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,198/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,650
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,579
−HK$943/mo
Today · 4.125%
HK$36,522
baseline
▲ 0.50% · 4.625%
HK$38,447
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,044/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,337
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,468
−HK$1,148/mo
Today · 4.125%
HK$38,616
baseline
▲ 0.50% · 4.625%
HK$40,966
+HK$2,350/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,232/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,425
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,509
−HK$1,100/mo
Today · 4.125%
HK$42,609
baseline
▲ 0.50% · 4.625%
HK$44,855
+HK$2,246/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,218/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,719
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,173
−HK$1,476/mo
Today · 4.125%
HK$49,649
baseline
▲ 0.50% · 4.625%
HK$52,670
+HK$3,021/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,298/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,975
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,369
−HK$1,414/mo
Today · 4.125%
HK$54,783
baseline
▲ 0.50% · 4.625%
HK$57,671
+HK$2,888/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,566/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,848 · Scale 2, in force from 26 Feb 2026)