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$25,971
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,779
−HK$821/mo
Today · 4.125%
HK$27,600
baseline
▲ 0.50% · 4.625%
HK$29,279
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,200/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,893
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,668
−HK$786/mo
Today · 4.125%
HK$30,454
baseline
▲ 0.50% · 4.625%
HK$32,059
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,908/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,165
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,135
−HK$985/mo
Today · 4.125%
HK$33,120
baseline
▲ 0.50% · 4.625%
HK$35,135
+HK$2,015/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,240/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,671
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,601
−HK$943/mo
Today · 4.125%
HK$36,544
baseline
▲ 0.50% · 4.625%
HK$38,471
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,088/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,360
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,491
−HK$1,149/mo
Today · 4.125%
HK$38,640
baseline
▲ 0.50% · 4.625%
HK$40,991
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,280/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,450
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,535
−HK$1,100/mo
Today · 4.125%
HK$42,635
baseline
▲ 0.50% · 4.625%
HK$44,883
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,270/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,748
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,202
−HK$1,478/mo
Today · 4.125%
HK$49,680
baseline
▲ 0.50% · 4.625%
HK$52,703
+HK$3,023/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,360/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,007
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,402
−HK$1,415/mo
Today · 4.125%
HK$54,817
baseline
▲ 0.50% · 4.625%
HK$57,706
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,634/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,111 · Scale 2, in force from 26 Feb 2026)