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$25,933
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,740
−HK$819/mo
Today · 4.125%
HK$27,559
baseline
▲ 0.50% · 4.625%
HK$29,236
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,118/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,850
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,624
−HK$785/mo
Today · 4.125%
HK$30,409
baseline
▲ 0.50% · 4.625%
HK$32,012
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,818/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,120
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,088
−HK$983/mo
Today · 4.125%
HK$33,071
baseline
▲ 0.50% · 4.625%
HK$35,084
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,142/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,620
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,549
−HK$942/mo
Today · 4.125%
HK$36,491
baseline
▲ 0.50% · 4.625%
HK$38,414
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,982/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,306
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,436
−HK$1,147/mo
Today · 4.125%
HK$38,583
baseline
▲ 0.50% · 4.625%
HK$40,931
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,166/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,390
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,474
−HK$1,099/mo
Today · 4.125%
HK$42,573
baseline
▲ 0.50% · 4.625%
HK$44,817
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,146/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,680
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,132
−HK$1,475/mo
Today · 4.125%
HK$49,607
baseline
▲ 0.50% · 4.625%
HK$52,625
+HK$3,018/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,214/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,931
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,323
−HK$1,413/mo
Today · 4.125%
HK$54,736
baseline
▲ 0.50% · 4.625%
HK$57,622
+HK$2,886/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,472/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,484 · Scale 2, in force from 26 Feb 2026)