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$25,858
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,663
−HK$817/mo
Today · 4.125%
HK$27,480
baseline
▲ 0.50% · 4.625%
HK$29,152
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,960/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,767
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$782/mo
Today · 4.125%
HK$30,321
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,642/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,030
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,995
−HK$981/mo
Today · 4.125%
HK$32,976
baseline
▲ 0.50% · 4.625%
HK$34,982
+HK$2,006/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,952/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,521
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,446
−HK$940/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,304
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,202
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,328
−HK$1,144/mo
Today · 4.125%
HK$38,472
baseline
▲ 0.50% · 4.625%
HK$40,813
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,944/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,274
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,354
−HK$1,096/mo
Today · 4.125%
HK$42,450
baseline
▲ 0.50% · 4.625%
HK$44,687
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,900/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,545
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,993
−HK$1,471/mo
Today · 4.125%
HK$49,464
baseline
▲ 0.50% · 4.625%
HK$52,474
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,928/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,781
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,170
−HK$1,408/mo
Today · 4.125%
HK$54,578
baseline
▲ 0.50% · 4.625%
HK$57,455
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,156/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,254 · Scale 2, in force from 26 Feb 2026)