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$25,844
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,648
−HK$817/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$29,136
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,751
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,523
−HK$782/mo
Today · 4.125%
HK$30,305
baseline
▲ 0.50% · 4.625%
HK$31,902
+HK$1,597/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,610/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,013
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,978
−HK$980/mo
Today · 4.125%
HK$32,958
baseline
▲ 0.50% · 4.625%
HK$34,963
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,916/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,502
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,427
−HK$939/mo
Today · 4.125%
HK$36,366
baseline
▲ 0.50% · 4.625%
HK$38,283
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,732/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,182
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,307
−HK$1,144/mo
Today · 4.125%
HK$38,451
baseline
▲ 0.50% · 4.625%
HK$40,791
+HK$2,340/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,902/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,252
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,332
−HK$1,095/mo
Today · 4.125%
HK$42,427
baseline
▲ 0.50% · 4.625%
HK$44,663
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,854/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,520
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,967
−HK$1,470/mo
Today · 4.125%
HK$49,437
baseline
▲ 0.50% · 4.625%
HK$52,445
+HK$3,008/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,874/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,753
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,141
−HK$1,408/mo
Today · 4.125%
HK$54,549
baseline
▲ 0.50% · 4.625%
HK$57,424
+HK$2,875/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,098/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,023 · Scale 2, in force from 26 Feb 2026)