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$25,853
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,657
−HK$817/mo
Today · 4.125%
HK$27,474
baseline
▲ 0.50% · 4.625%
HK$29,146
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,948/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,761
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$783/mo
Today · 4.125%
HK$30,315
baseline
▲ 0.50% · 4.625%
HK$31,913
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,630/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,023
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,988
−HK$981/mo
Today · 4.125%
HK$32,969
baseline
▲ 0.50% · 4.625%
HK$34,975
+HK$2,006/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,938/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,513
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,439
−HK$939/mo
Today · 4.125%
HK$36,378
baseline
▲ 0.50% · 4.625%
HK$38,295
+HK$1,917/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,756/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,194
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,320
−HK$1,143/mo
Today · 4.125%
HK$38,463
baseline
▲ 0.50% · 4.625%
HK$40,804
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,926/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,265
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,345
−HK$1,096/mo
Today · 4.125%
HK$42,441
baseline
▲ 0.50% · 4.625%
HK$44,678
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,882/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,535
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,982
−HK$1,471/mo
Today · 4.125%
HK$49,453
baseline
▲ 0.50% · 4.625%
HK$52,462
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,906/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,770
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,158
−HK$1,408/mo
Today · 4.125%
HK$54,566
baseline
▲ 0.50% · 4.625%
HK$57,443
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,132/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,161 · Scale 2, in force from 26 Feb 2026)