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$25,860
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,664
−HK$817/mo
Today · 4.125%
HK$27,481
baseline
▲ 0.50% · 4.625%
HK$29,154
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,962/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,769
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,540
−HK$783/mo
Today · 4.125%
HK$30,323
baseline
▲ 0.50% · 4.625%
HK$31,921
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,646/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,032
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,997
−HK$981/mo
Today · 4.125%
HK$32,978
baseline
▲ 0.50% · 4.625%
HK$34,984
+HK$2,006/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,956/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,522
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,448
−HK$940/mo
Today · 4.125%
HK$36,388
baseline
▲ 0.50% · 4.625%
HK$38,306
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,776/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,204
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,330
−HK$1,144/mo
Today · 4.125%
HK$38,474
baseline
▲ 0.50% · 4.625%
HK$40,815
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,948/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,276
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,356
−HK$1,096/mo
Today · 4.125%
HK$42,452
baseline
▲ 0.50% · 4.625%
HK$44,690
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,904/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,547
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,995
−HK$1,471/mo
Today · 4.125%
HK$49,466
baseline
▲ 0.50% · 4.625%
HK$52,476
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,932/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,784
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,172
−HK$1,409/mo
Today · 4.125%
HK$54,581
baseline
▲ 0.50% · 4.625%
HK$57,458
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,162/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,277 · Scale 2, in force from 26 Feb 2026)