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$25,827
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,630
−HK$817/mo
Today · 4.125%
HK$27,447
baseline
▲ 0.50% · 4.625%
HK$29,117
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,894/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,732
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,503
−HK$782/mo
Today · 4.125%
HK$30,285
baseline
▲ 0.50% · 4.625%
HK$31,881
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,570/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,993
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,957
−HK$979/mo
Today · 4.125%
HK$32,936
baseline
▲ 0.50% · 4.625%
HK$34,940
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,872/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,479
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,404
−HK$938/mo
Today · 4.125%
HK$36,342
baseline
▲ 0.50% · 4.625%
HK$38,257
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,684/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,158
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,283
−HK$1,142/mo
Today · 4.125%
HK$38,425
baseline
▲ 0.50% · 4.625%
HK$40,763
+HK$2,338/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,850/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,225
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,304
−HK$1,095/mo
Today · 4.125%
HK$42,399
baseline
▲ 0.50% · 4.625%
HK$44,633
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,798/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,489
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,935
−HK$1,469/mo
Today · 4.125%
HK$49,404
baseline
▲ 0.50% · 4.625%
HK$52,410
+HK$3,006/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,808/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,718
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,105
−HK$1,407/mo
Today · 4.125%
HK$54,512
baseline
▲ 0.50% · 4.625%
HK$57,386
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$109,024/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,741 · Scale 2, in force from 26 Feb 2026)