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$25,956
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,763
−HK$821/mo
Today · 4.125%
HK$27,584
baseline
▲ 0.50% · 4.625%
HK$29,262
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,168/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,876
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,650
−HK$786/mo
Today · 4.125%
HK$30,436
baseline
▲ 0.50% · 4.625%
HK$32,040
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,872/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,147
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,116
−HK$985/mo
Today · 4.125%
HK$33,101
baseline
▲ 0.50% · 4.625%
HK$35,115
+HK$2,014/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,202/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,651
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,580
−HK$943/mo
Today · 4.125%
HK$36,523
baseline
▲ 0.50% · 4.625%
HK$38,448
+HK$1,925/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,046/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,339
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,469
−HK$1,148/mo
Today · 4.125%
HK$38,617
baseline
▲ 0.50% · 4.625%
HK$40,967
+HK$2,350/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$77,234/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,426
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,510
−HK$1,100/mo
Today · 4.125%
HK$42,610
baseline
▲ 0.50% · 4.625%
HK$44,856
+HK$2,246/mo
Deposit HK$3.41M · loan HK$7.97M · min. income ≈ HK$85,220/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,721
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,174
−HK$1,477/mo
Today · 4.125%
HK$49,651
baseline
▲ 0.50% · 4.625%
HK$52,672
+HK$3,021/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,302/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,977
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,371
−HK$1,414/mo
Today · 4.125%
HK$54,785
baseline
▲ 0.50% · 4.625%
HK$57,673
+HK$2,888/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,570/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$426,862 · Scale 2, in force from 26 Feb 2026)