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$25,863
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,667
−HK$817/mo
Today · 4.125%
HK$27,484
baseline
▲ 0.50% · 4.625%
HK$29,157
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,968/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,544
−HK$782/mo
Today · 4.125%
HK$30,326
baseline
▲ 0.50% · 4.625%
HK$31,925
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,652/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,035
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,001
−HK$980/mo
Today · 4.125%
HK$32,981
baseline
▲ 0.50% · 4.625%
HK$34,988
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,962/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,526
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,452
−HK$940/mo
Today · 4.125%
HK$36,392
baseline
▲ 0.50% · 4.625%
HK$38,310
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,784/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,208
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,334
−HK$1,144/mo
Today · 4.125%
HK$38,478
baseline
▲ 0.50% · 4.625%
HK$40,820
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,956/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,281
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,361
−HK$1,096/mo
Today · 4.125%
HK$42,457
baseline
▲ 0.50% · 4.625%
HK$44,695
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,914/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,553
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$48,001
−HK$1,471/mo
Today · 4.125%
HK$49,472
baseline
▲ 0.50% · 4.625%
HK$52,482
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,944/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,789
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,178
−HK$1,409/mo
Today · 4.125%
HK$54,587
baseline
▲ 0.50% · 4.625%
HK$57,465
+HK$2,878/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,174/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,325 · Scale 2, in force from 26 Feb 2026)