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$25,937
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,743
−HK$820/mo
Today · 4.125%
HK$27,563
baseline
▲ 0.50% · 4.625%
HK$29,240
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,126/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,854
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,628
−HK$785/mo
Today · 4.125%
HK$30,413
baseline
▲ 0.50% · 4.625%
HK$32,016
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,826/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,124
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,092
−HK$984/mo
Today · 4.125%
HK$33,076
baseline
▲ 0.50% · 4.625%
HK$35,088
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,152/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,625
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,554
−HK$942/mo
Today · 4.125%
HK$36,496
baseline
▲ 0.50% · 4.625%
HK$38,420
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,992/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,311
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,441
−HK$1,147/mo
Today · 4.125%
HK$38,588
baseline
▲ 0.50% · 4.625%
HK$40,936
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,176/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,396
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,479
−HK$1,100/mo
Today · 4.125%
HK$42,579
baseline
▲ 0.50% · 4.625%
HK$44,823
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,158/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,686
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,138
−HK$1,476/mo
Today · 4.125%
HK$49,614
baseline
▲ 0.50% · 4.625%
HK$52,633
+HK$3,019/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,228/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,938
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,331
−HK$1,413/mo
Today · 4.125%
HK$54,744
baseline
▲ 0.50% · 4.625%
HK$57,629
+HK$2,885/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,488/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,543 · Scale 2, in force from 26 Feb 2026)