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$25,886
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,691
−HK$818/mo
Today · 4.125%
HK$27,509
baseline
▲ 0.50% · 4.625%
HK$29,183
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,018/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,798
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,570
−HK$784/mo
Today · 4.125%
HK$30,354
baseline
▲ 0.50% · 4.625%
HK$31,954
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,708/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,063
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,029
−HK$982/mo
Today · 4.125%
HK$33,011
baseline
▲ 0.50% · 4.625%
HK$35,020
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,022/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,557
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,484
−HK$940/mo
Today · 4.125%
HK$36,424
baseline
▲ 0.50% · 4.625%
HK$38,344
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,848/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,240
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,368
−HK$1,145/mo
Today · 4.125%
HK$38,513
baseline
▲ 0.50% · 4.625%
HK$40,856
+HK$2,343/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,026/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,317
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,398
−HK$1,097/mo
Today · 4.125%
HK$42,495
baseline
▲ 0.50% · 4.625%
HK$44,735
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$84,990/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,595
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,044
−HK$1,473/mo
Today · 4.125%
HK$49,517
baseline
▲ 0.50% · 4.625%
HK$52,530
+HK$3,013/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,034/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,836
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,226
−HK$1,411/mo
Today · 4.125%
HK$54,637
baseline
▲ 0.50% · 4.625%
HK$57,517
+HK$2,880/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,274/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,708 · Scale 2, in force from 26 Feb 2026)