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$25,922
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,728
−HK$819/mo
Today · 4.125%
HK$27,547
baseline
▲ 0.50% · 4.625%
HK$29,223
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,094/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,838
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,611
−HK$785/mo
Today · 4.125%
HK$30,396
baseline
▲ 0.50% · 4.625%
HK$31,998
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,792/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,106
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,074
−HK$983/mo
Today · 4.125%
HK$33,057
baseline
▲ 0.50% · 4.625%
HK$35,068
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,114/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,605
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,533
−HK$942/mo
Today · 4.125%
HK$36,475
baseline
▲ 0.50% · 4.625%
HK$38,397
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,950/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,290
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,419
−HK$1,147/mo
Today · 4.125%
HK$38,566
baseline
▲ 0.50% · 4.625%
HK$40,913
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,132/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,373
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,455
−HK$1,099/mo
Today · 4.125%
HK$42,554
baseline
▲ 0.50% · 4.625%
HK$44,797
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,108/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,659
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,110
−HK$1,475/mo
Today · 4.125%
HK$49,585
baseline
▲ 0.50% · 4.625%
HK$52,602
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,170/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,908
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,300
−HK$1,412/mo
Today · 4.125%
HK$54,712
baseline
▲ 0.50% · 4.625%
HK$57,596
+HK$2,884/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,424/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,295 · Scale 2, in force from 26 Feb 2026)