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$25,804
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,607
−HK$815/mo
Today · 4.125%
HK$27,422
baseline
▲ 0.50% · 4.625%
HK$29,091
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,844/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,707
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,477
−HK$781/mo
Today · 4.125%
HK$30,258
baseline
▲ 0.50% · 4.625%
HK$31,853
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,516/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,965
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,928
−HK$979/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,909
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,448
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,372
−HK$938/mo
Today · 4.125%
HK$36,310
baseline
▲ 0.50% · 4.625%
HK$38,224
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,620/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,126
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,250
−HK$1,141/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,728
+HK$2,337/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,782/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,190
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,268
−HK$1,093/mo
Today · 4.125%
HK$42,361
baseline
▲ 0.50% · 4.625%
HK$44,594
+HK$2,233/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,722/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,448
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,893
−HK$1,467/mo
Today · 4.125%
HK$49,360
baseline
▲ 0.50% · 4.625%
HK$52,364
+HK$3,004/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,720/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,673
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,059
−HK$1,405/mo
Today · 4.125%
HK$54,464
baseline
▲ 0.50% · 4.625%
HK$57,335
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,928/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,366 · Scale 2, in force from 26 Feb 2026)