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$25,924
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,730
−HK$819/mo
Today · 4.125%
HK$27,549
baseline
▲ 0.50% · 4.625%
HK$29,226
+HK$1,677/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,098/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,840
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,613
−HK$785/mo
Today · 4.125%
HK$30,398
baseline
▲ 0.50% · 4.625%
HK$32,000
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,796/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,108
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,076
−HK$983/mo
Today · 4.125%
HK$33,059
baseline
▲ 0.50% · 4.625%
HK$35,071
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,118/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,608
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,536
−HK$942/mo
Today · 4.125%
HK$36,478
baseline
▲ 0.50% · 4.625%
HK$38,400
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,956/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,293
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,422
−HK$1,147/mo
Today · 4.125%
HK$38,569
baseline
▲ 0.50% · 4.625%
HK$40,916
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,138/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,376
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,459
−HK$1,098/mo
Today · 4.125%
HK$42,557
baseline
▲ 0.50% · 4.625%
HK$44,800
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,114/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,663
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,114
−HK$1,475/mo
Today · 4.125%
HK$49,589
baseline
▲ 0.50% · 4.625%
HK$52,606
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,178/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,912
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,304
−HK$1,412/mo
Today · 4.125%
HK$54,716
baseline
▲ 0.50% · 4.625%
HK$57,600
+HK$2,884/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,432/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,329 · Scale 2, in force from 26 Feb 2026)