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$25,830
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,634
−HK$816/mo
Today · 4.125%
HK$27,450
baseline
▲ 0.50% · 4.625%
HK$29,120
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,900/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,736
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,507
−HK$782/mo
Today · 4.125%
HK$30,289
baseline
▲ 0.50% · 4.625%
HK$31,885
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,578/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,996
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,961
−HK$979/mo
Today · 4.125%
HK$32,940
baseline
▲ 0.50% · 4.625%
HK$34,945
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,880/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,483
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,408
−HK$938/mo
Today · 4.125%
HK$36,346
baseline
▲ 0.50% · 4.625%
HK$38,262
+HK$1,916/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,692/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,163
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,287
−HK$1,143/mo
Today · 4.125%
HK$38,430
baseline
▲ 0.50% · 4.625%
HK$40,769
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,860/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,230
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,309
−HK$1,095/mo
Today · 4.125%
HK$42,404
baseline
▲ 0.50% · 4.625%
HK$44,639
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,808/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,495
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,941
−HK$1,469/mo
Today · 4.125%
HK$49,410
baseline
▲ 0.50% · 4.625%
HK$52,417
+HK$3,007/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,820/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,725
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,112
−HK$1,407/mo
Today · 4.125%
HK$54,519
baseline
▲ 0.50% · 4.625%
HK$57,393
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,038/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,795 · Scale 2, in force from 26 Feb 2026)