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$25,873
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,677
−HK$818/mo
Today · 4.125%
HK$27,495
baseline
▲ 0.50% · 4.625%
HK$29,168
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,990/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,783
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,555
−HK$783/mo
Today · 4.125%
HK$30,338
baseline
▲ 0.50% · 4.625%
HK$31,937
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,676/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,047
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,013
−HK$981/mo
Today · 4.125%
HK$32,994
baseline
▲ 0.50% · 4.625%
HK$35,002
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,988/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,539
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,466
−HK$940/mo
Today · 4.125%
HK$36,406
baseline
▲ 0.50% · 4.625%
HK$38,325
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,812/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,222
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,348
−HK$1,145/mo
Today · 4.125%
HK$38,493
baseline
▲ 0.50% · 4.625%
HK$40,835
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,986/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,296
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,377
−HK$1,096/mo
Today · 4.125%
HK$42,473
baseline
▲ 0.50% · 4.625%
HK$44,712
+HK$2,239/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,946/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,571
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,019
−HK$1,472/mo
Today · 4.125%
HK$49,491
baseline
▲ 0.50% · 4.625%
HK$52,502
+HK$3,011/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,982/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,809
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,199
−HK$1,409/mo
Today · 4.125%
HK$54,608
baseline
▲ 0.50% · 4.625%
HK$57,487
+HK$2,879/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,216/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,487 · Scale 2, in force from 26 Feb 2026)