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$25,895
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,700
−HK$819/mo
Today · 4.125%
HK$27,519
baseline
▲ 0.50% · 4.625%
HK$29,193
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,038/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,808
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,580
−HK$784/mo
Today · 4.125%
HK$30,364
baseline
▲ 0.50% · 4.625%
HK$31,965
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,728/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,074
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,040
−HK$982/mo
Today · 4.125%
HK$33,022
baseline
▲ 0.50% · 4.625%
HK$35,032
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,044/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,569
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,496
−HK$941/mo
Today · 4.125%
HK$36,437
baseline
▲ 0.50% · 4.625%
HK$38,358
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,874/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,253
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,380
−HK$1,146/mo
Today · 4.125%
HK$38,526
baseline
▲ 0.50% · 4.625%
HK$40,870
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,052/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,331
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,413
−HK$1,097/mo
Today · 4.125%
HK$42,510
baseline
▲ 0.50% · 4.625%
HK$44,751
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,020/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,611
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,061
−HK$1,473/mo
Today · 4.125%
HK$49,534
baseline
▲ 0.50% · 4.625%
HK$52,548
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,068/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,854
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,245
−HK$1,411/mo
Today · 4.125%
HK$54,656
baseline
▲ 0.50% · 4.625%
HK$57,536
+HK$2,880/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,312/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,855 · Scale 2, in force from 26 Feb 2026)