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$25,857
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,661
−HK$817/mo
Today · 4.125%
HK$27,478
baseline
▲ 0.50% · 4.625%
HK$29,150
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,956/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,766
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,537
−HK$783/mo
Today · 4.125%
HK$30,320
baseline
▲ 0.50% · 4.625%
HK$31,918
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,640/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,028
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,994
−HK$980/mo
Today · 4.125%
HK$32,974
baseline
▲ 0.50% · 4.625%
HK$34,981
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,948/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,519
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,445
−HK$939/mo
Today · 4.125%
HK$36,384
baseline
▲ 0.50% · 4.625%
HK$38,302
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,768/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,200
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,326
−HK$1,144/mo
Today · 4.125%
HK$38,470
baseline
▲ 0.50% · 4.625%
HK$40,811
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,940/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,272
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,352
−HK$1,096/mo
Today · 4.125%
HK$42,448
baseline
▲ 0.50% · 4.625%
HK$44,685
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,896/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,543
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,990
−HK$1,471/mo
Today · 4.125%
HK$49,461
baseline
▲ 0.50% · 4.625%
HK$52,471
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,922/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,778
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,167
−HK$1,409/mo
Today · 4.125%
HK$54,576
baseline
▲ 0.50% · 4.625%
HK$57,452
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,152/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,232 · Scale 2, in force from 26 Feb 2026)