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$25,912
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,718
−HK$819/mo
Today · 4.125%
HK$27,537
baseline
▲ 0.50% · 4.625%
HK$29,212
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,074/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,827
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,600
−HK$784/mo
Today · 4.125%
HK$30,384
baseline
▲ 0.50% · 4.625%
HK$31,986
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,768/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,094
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,061
−HK$983/mo
Today · 4.125%
HK$33,044
baseline
▲ 0.50% · 4.625%
HK$35,055
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,088/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,592
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,520
−HK$941/mo
Today · 4.125%
HK$36,461
baseline
▲ 0.50% · 4.625%
HK$38,383
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,922/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,277
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,405
−HK$1,146/mo
Today · 4.125%
HK$38,551
baseline
▲ 0.50% · 4.625%
HK$40,897
+HK$2,346/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,102/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,357
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,440
−HK$1,098/mo
Today · 4.125%
HK$42,538
baseline
▲ 0.50% · 4.625%
HK$44,780
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,076/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,641
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,092
−HK$1,474/mo
Today · 4.125%
HK$49,566
baseline
▲ 0.50% · 4.625%
HK$52,582
+HK$3,016/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,132/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,888
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,280
−HK$1,411/mo
Today · 4.125%
HK$54,691
baseline
▲ 0.50% · 4.625%
HK$57,574
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,382/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,135 · Scale 2, in force from 26 Feb 2026)