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$25,825
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,628
−HK$817/mo
Today · 4.125%
HK$27,445
baseline
▲ 0.50% · 4.625%
HK$29,115
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,890/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,730
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,501
−HK$781/mo
Today · 4.125%
HK$30,282
baseline
▲ 0.50% · 4.625%
HK$31,879
+HK$1,597/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,564/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,990
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,954
−HK$980/mo
Today · 4.125%
HK$32,934
baseline
▲ 0.50% · 4.625%
HK$34,938
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,868/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,476
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,401
−HK$938/mo
Today · 4.125%
HK$36,339
baseline
▲ 0.50% · 4.625%
HK$38,254
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,678/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,155
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,280
−HK$1,143/mo
Today · 4.125%
HK$38,423
baseline
▲ 0.50% · 4.625%
HK$40,760
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,846/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,222
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,301
−HK$1,094/mo
Today · 4.125%
HK$42,395
baseline
▲ 0.50% · 4.625%
HK$44,630
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,790/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,485
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,931
−HK$1,469/mo
Today · 4.125%
HK$49,400
baseline
▲ 0.50% · 4.625%
HK$52,406
+HK$3,006/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,800/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,714
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,101
−HK$1,407/mo
Today · 4.125%
HK$54,508
baseline
▲ 0.50% · 4.625%
HK$57,382
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$109,016/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,709 · Scale 2, in force from 26 Feb 2026)