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$25,913
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,719
−HK$819/mo
Today · 4.125%
HK$27,538
baseline
▲ 0.50% · 4.625%
HK$29,214
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,076/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,828
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,601
−HK$785/mo
Today · 4.125%
HK$30,386
baseline
▲ 0.50% · 4.625%
HK$31,987
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,772/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,096
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,063
−HK$983/mo
Today · 4.125%
HK$33,046
baseline
▲ 0.50% · 4.625%
HK$35,057
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,092/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,594
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,522
−HK$941/mo
Today · 4.125%
HK$36,463
baseline
▲ 0.50% · 4.625%
HK$38,385
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,926/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,279
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,407
−HK$1,147/mo
Today · 4.125%
HK$38,554
baseline
▲ 0.50% · 4.625%
HK$40,899
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,108/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,360
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,442
−HK$1,098/mo
Today · 4.125%
HK$42,540
baseline
▲ 0.50% · 4.625%
HK$44,782
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,080/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,644
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,095
−HK$1,474/mo
Today · 4.125%
HK$49,569
baseline
▲ 0.50% · 4.625%
HK$52,585
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,138/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,891
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,283
−HK$1,411/mo
Today · 4.125%
HK$54,694
baseline
▲ 0.50% · 4.625%
HK$57,577
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,388/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,157 · Scale 2, in force from 26 Feb 2026)