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$25,871
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,676
−HK$818/mo
Today · 4.125%
HK$27,494
baseline
▲ 0.50% · 4.625%
HK$29,167
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,988/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,781
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,553
−HK$783/mo
Today · 4.125%
HK$30,336
baseline
▲ 0.50% · 4.625%
HK$31,936
+HK$1,600/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,672/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,045
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,011
−HK$981/mo
Today · 4.125%
HK$32,992
baseline
▲ 0.50% · 4.625%
HK$35,000
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,984/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,538
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,464
−HK$940/mo
Today · 4.125%
HK$36,404
baseline
▲ 0.50% · 4.625%
HK$38,323
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,808/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,220
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,346
−HK$1,145/mo
Today · 4.125%
HK$38,491
baseline
▲ 0.50% · 4.625%
HK$40,833
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,982/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,294
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,375
−HK$1,096/mo
Today · 4.125%
HK$42,471
baseline
▲ 0.50% · 4.625%
HK$44,710
+HK$2,239/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,942/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,568
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,017
−HK$1,471/mo
Today · 4.125%
HK$49,488
baseline
▲ 0.50% · 4.625%
HK$52,500
+HK$3,012/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,976/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,807
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,196
−HK$1,410/mo
Today · 4.125%
HK$54,606
baseline
▲ 0.50% · 4.625%
HK$57,484
+HK$2,878/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,212/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,466 · Scale 2, in force from 26 Feb 2026)