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$25,944
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,751
−HK$820/mo
Today · 4.125%
HK$27,571
baseline
▲ 0.50% · 4.625%
HK$29,248
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,142/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,862
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,636
−HK$786/mo
Today · 4.125%
HK$30,422
baseline
▲ 0.50% · 4.625%
HK$32,025
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,844/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,133
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,101
−HK$984/mo
Today · 4.125%
HK$33,085
baseline
▲ 0.50% · 4.625%
HK$35,098
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,170/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,635
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,564
−HK$942/mo
Today · 4.125%
HK$36,506
baseline
▲ 0.50% · 4.625%
HK$38,430
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,012/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,321
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,451
−HK$1,148/mo
Today · 4.125%
HK$38,599
baseline
▲ 0.50% · 4.625%
HK$40,948
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,198/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,407
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,491
−HK$1,099/mo
Today · 4.125%
HK$42,590
baseline
▲ 0.50% · 4.625%
HK$44,835
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,180/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,699
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,152
−HK$1,475/mo
Today · 4.125%
HK$49,627
baseline
▲ 0.50% · 4.625%
HK$52,647
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,254/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,952
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,345
−HK$1,414/mo
Today · 4.125%
HK$54,759
baseline
▲ 0.50% · 4.625%
HK$57,645
+HK$2,886/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,518/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,661 · Scale 2, in force from 26 Feb 2026)