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$25,841
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,645
−HK$817/mo
Today · 4.125%
HK$27,462
baseline
▲ 0.50% · 4.625%
HK$29,133
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,924/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,748
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,519
−HK$783/mo
Today · 4.125%
HK$30,302
baseline
▲ 0.50% · 4.625%
HK$31,899
+HK$1,597/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,604/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,010
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,974
−HK$980/mo
Today · 4.125%
HK$32,954
baseline
▲ 0.50% · 4.625%
HK$34,960
+HK$2,006/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,908/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,498
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,423
−HK$939/mo
Today · 4.125%
HK$36,362
baseline
▲ 0.50% · 4.625%
HK$38,279
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,724/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,178
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,303
−HK$1,144/mo
Today · 4.125%
HK$38,447
baseline
▲ 0.50% · 4.625%
HK$40,786
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,894/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,248
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,327
−HK$1,095/mo
Today · 4.125%
HK$42,422
baseline
▲ 0.50% · 4.625%
HK$44,658
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,844/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,515
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,961
−HK$1,470/mo
Today · 4.125%
HK$49,431
baseline
▲ 0.50% · 4.625%
HK$52,439
+HK$3,008/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,862/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,747
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,135
−HK$1,408/mo
Today · 4.125%
HK$54,543
baseline
▲ 0.50% · 4.625%
HK$57,418
+HK$2,875/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,086/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,977 · Scale 2, in force from 26 Feb 2026)