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$25,864
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,668
−HK$818/mo
Today · 4.125%
HK$27,486
baseline
▲ 0.50% · 4.625%
HK$29,158
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,972/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,773
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,545
−HK$783/mo
Today · 4.125%
HK$30,328
baseline
▲ 0.50% · 4.625%
HK$31,927
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,656/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,037
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,002
−HK$981/mo
Today · 4.125%
HK$32,983
baseline
▲ 0.50% · 4.625%
HK$34,990
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,966/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,528
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,454
−HK$939/mo
Today · 4.125%
HK$36,393
baseline
▲ 0.50% · 4.625%
HK$38,312
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,786/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,210
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,336
−HK$1,144/mo
Today · 4.125%
HK$38,480
baseline
▲ 0.50% · 4.625%
HK$40,822
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,960/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,283
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,363
−HK$1,096/mo
Today · 4.125%
HK$42,459
baseline
▲ 0.50% · 4.625%
HK$44,697
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,918/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,555
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,003
−HK$1,472/mo
Today · 4.125%
HK$49,475
baseline
▲ 0.50% · 4.625%
HK$52,485
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,950/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,792
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,181
−HK$1,409/mo
Today · 4.125%
HK$54,590
baseline
▲ 0.50% · 4.625%
HK$57,468
+HK$2,878/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,180/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,346 · Scale 2, in force from 26 Feb 2026)