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$25,881
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,686
−HK$818/mo
Today · 4.125%
HK$27,504
baseline
▲ 0.50% · 4.625%
HK$29,177
+HK$1,673/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$55,008/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,792
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,564
−HK$784/mo
Today · 4.125%
HK$30,348
baseline
▲ 0.50% · 4.625%
HK$31,947
+HK$1,599/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,696/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,057
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,023
−HK$982/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$35,013
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,551
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,477
−HK$940/mo
Today · 4.125%
HK$36,417
baseline
▲ 0.50% · 4.625%
HK$38,337
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,834/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,233
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,360
−HK$1,145/mo
Today · 4.125%
HK$38,505
baseline
▲ 0.50% · 4.625%
HK$40,848
+HK$2,343/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$77,010/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,309
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,390
−HK$1,097/mo
Today · 4.125%
HK$42,487
baseline
▲ 0.50% · 4.625%
HK$44,726
+HK$2,239/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,974/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,585
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,035
−HK$1,472/mo
Today · 4.125%
HK$49,507
baseline
▲ 0.50% · 4.625%
HK$52,519
+HK$3,012/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$99,014/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,826
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,216
−HK$1,410/mo
Today · 4.125%
HK$54,626
baseline
▲ 0.50% · 4.625%
HK$57,505
+HK$2,879/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,252/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,624 · Scale 2, in force from 26 Feb 2026)