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$25,927
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,733
−HK$820/mo
Today · 4.125%
HK$27,553
baseline
▲ 0.50% · 4.625%
HK$29,229
+HK$1,676/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,106/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,843
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,617
−HK$785/mo
Today · 4.125%
HK$30,402
baseline
▲ 0.50% · 4.625%
HK$32,004
+HK$1,602/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,804/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,112
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,080
−HK$983/mo
Today · 4.125%
HK$33,063
baseline
▲ 0.50% · 4.625%
HK$35,075
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,126/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,612
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,540
−HK$942/mo
Today · 4.125%
HK$36,482
baseline
▲ 0.50% · 4.625%
HK$38,405
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,964/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,297
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,427
−HK$1,147/mo
Today · 4.125%
HK$38,574
baseline
▲ 0.50% · 4.625%
HK$40,921
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,148/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,381
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,464
−HK$1,098/mo
Today · 4.125%
HK$42,562
baseline
▲ 0.50% · 4.625%
HK$44,806
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,124/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,668
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,120
−HK$1,475/mo
Today · 4.125%
HK$49,595
baseline
▲ 0.50% · 4.625%
HK$52,612
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,190/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,918
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,310
−HK$1,413/mo
Today · 4.125%
HK$54,723
baseline
▲ 0.50% · 4.625%
HK$57,607
+HK$2,884/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,446/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,380 · Scale 2, in force from 26 Feb 2026)