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$25,906
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,712
−HK$819/mo
Today · 4.125%
HK$27,531
baseline
▲ 0.50% · 4.625%
HK$29,206
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,062/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,820
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,593
−HK$784/mo
Today · 4.125%
HK$30,377
baseline
▲ 0.50% · 4.625%
HK$31,978
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,754/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,087
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,054
−HK$983/mo
Today · 4.125%
HK$33,037
baseline
▲ 0.50% · 4.625%
HK$35,047
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,074/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,584
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,512
−HK$941/mo
Today · 4.125%
HK$36,453
baseline
▲ 0.50% · 4.625%
HK$38,374
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,906/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,268
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,397
−HK$1,146/mo
Today · 4.125%
HK$38,543
baseline
▲ 0.50% · 4.625%
HK$40,888
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,086/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,348
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,430
−HK$1,098/mo
Today · 4.125%
HK$42,528
baseline
▲ 0.50% · 4.625%
HK$44,770
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,056/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$426,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,631
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,081
−HK$1,474/mo
Today · 4.125%
HK$49,555
baseline
▲ 0.50% · 4.625%
HK$52,570
+HK$3,015/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,110/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,876
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,268
−HK$1,411/mo
Today · 4.125%
HK$54,679
baseline
▲ 0.50% · 4.625%
HK$57,561
+HK$2,882/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,358/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,039 · Scale 2, in force from 26 Feb 2026)