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$25,947
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,755
−HK$820/mo
Today · 4.125%
HK$27,575
baseline
▲ 0.50% · 4.625%
HK$29,252
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,150/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,866
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,640
−HK$786/mo
Today · 4.125%
HK$30,426
baseline
▲ 0.50% · 4.625%
HK$32,030
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,852/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,137
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,105
−HK$984/mo
Today · 4.125%
HK$33,089
baseline
▲ 0.50% · 4.625%
HK$35,103
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,178/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,640
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,569
−HK$942/mo
Today · 4.125%
HK$36,511
baseline
▲ 0.50% · 4.625%
HK$38,436
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,022/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,326
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,456
−HK$1,148/mo
Today · 4.125%
HK$38,604
baseline
▲ 0.50% · 4.625%
HK$40,953
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,208/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,413
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,497
−HK$1,099/mo
Today · 4.125%
HK$42,596
baseline
▲ 0.50% · 4.625%
HK$44,841
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,192/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,705
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,158
−HK$1,476/mo
Today · 4.125%
HK$49,634
baseline
▲ 0.50% · 4.625%
HK$52,654
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,268/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,959
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,353
−HK$1,413/mo
Today · 4.125%
HK$54,766
baseline
▲ 0.50% · 4.625%
HK$57,653
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,532/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,719 · Scale 2, in force from 26 Feb 2026)