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$25,861
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,665
−HK$818/mo
Today · 4.125%
HK$27,483
baseline
▲ 0.50% · 4.625%
HK$29,155
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,966/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,770
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,542
−HK$782/mo
Today · 4.125%
HK$30,324
baseline
▲ 0.50% · 4.625%
HK$31,923
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,648/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,033
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,999
−HK$980/mo
Today · 4.125%
HK$32,979
baseline
▲ 0.50% · 4.625%
HK$34,986
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,958/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,524
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,450
−HK$939/mo
Today · 4.125%
HK$36,389
baseline
▲ 0.50% · 4.625%
HK$38,307
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,778/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,205
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,332
−HK$1,144/mo
Today · 4.125%
HK$38,476
baseline
▲ 0.50% · 4.625%
HK$40,817
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,952/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,278
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,358
−HK$1,096/mo
Today · 4.125%
HK$42,454
baseline
▲ 0.50% · 4.625%
HK$44,692
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,908/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,550
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,998
−HK$1,471/mo
Today · 4.125%
HK$49,469
baseline
▲ 0.50% · 4.625%
HK$52,479
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,938/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,786
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,175
−HK$1,409/mo
Today · 4.125%
HK$54,584
baseline
▲ 0.50% · 4.625%
HK$57,461
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,168/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,298 · Scale 2, in force from 26 Feb 2026)