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$25,957
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,764
−HK$820/mo
Today · 4.125%
HK$27,584
baseline
▲ 0.50% · 4.625%
HK$29,263
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,168/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,877
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$786/mo
Today · 4.125%
HK$30,437
baseline
▲ 0.50% · 4.625%
HK$32,041
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,874/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,148
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,117
−HK$984/mo
Today · 4.125%
HK$33,101
baseline
▲ 0.50% · 4.625%
HK$35,115
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,202/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,652
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,581
−HK$943/mo
Today · 4.125%
HK$36,524
baseline
▲ 0.50% · 4.625%
HK$38,449
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,048/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,339
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,470
−HK$1,148/mo
Today · 4.125%
HK$38,618
baseline
▲ 0.50% · 4.625%
HK$40,968
+HK$2,350/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,236/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,427
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,511
−HK$1,100/mo
Today · 4.125%
HK$42,611
baseline
▲ 0.50% · 4.625%
HK$44,857
+HK$2,246/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,222/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,722
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,175
−HK$1,477/mo
Today · 4.125%
HK$49,652
baseline
▲ 0.50% · 4.625%
HK$52,673
+HK$3,021/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,304/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,978
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,372
−HK$1,414/mo
Today · 4.125%
HK$54,786
baseline
▲ 0.50% · 4.625%
HK$57,674
+HK$2,888/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,572/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,872 · Scale 2, in force from 26 Feb 2026)