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$25,888
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,693
−HK$819/mo
Today · 4.125%
HK$27,512
baseline
▲ 0.50% · 4.625%
HK$29,186
+HK$1,674/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,024/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,800
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,573
−HK$783/mo
Today · 4.125%
HK$30,356
baseline
▲ 0.50% · 4.625%
HK$31,956
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,712/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,066
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,032
−HK$982/mo
Today · 4.125%
HK$33,014
baseline
▲ 0.50% · 4.625%
HK$35,023
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,028/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,560
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,487
−HK$941/mo
Today · 4.125%
HK$36,428
baseline
▲ 0.50% · 4.625%
HK$38,348
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,856/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,243
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,371
−HK$1,145/mo
Today · 4.125%
HK$38,516
baseline
▲ 0.50% · 4.625%
HK$40,860
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,032/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,320
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,402
−HK$1,097/mo
Today · 4.125%
HK$42,499
baseline
▲ 0.50% · 4.625%
HK$44,739
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$84,998/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,599
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,048
−HK$1,473/mo
Today · 4.125%
HK$49,521
baseline
▲ 0.50% · 4.625%
HK$52,534
+HK$3,013/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,042/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,841
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,231
−HK$1,410/mo
Today · 4.125%
HK$54,641
baseline
▲ 0.50% · 4.625%
HK$57,522
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,282/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,744 · Scale 2, in force from 26 Feb 2026)