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$25,823
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,626
−HK$817/mo
Today · 4.125%
HK$27,443
baseline
▲ 0.50% · 4.625%
HK$29,112
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,886/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,728
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,498
−HK$782/mo
Today · 4.125%
HK$30,280
baseline
▲ 0.50% · 4.625%
HK$31,876
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,560/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,988
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,952
−HK$979/mo
Today · 4.125%
HK$32,931
baseline
▲ 0.50% · 4.625%
HK$34,935
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,862/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,474
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,398
−HK$938/mo
Today · 4.125%
HK$36,336
baseline
▲ 0.50% · 4.625%
HK$38,251
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,672/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,152
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,277
−HK$1,143/mo
Today · 4.125%
HK$38,420
baseline
▲ 0.50% · 4.625%
HK$40,757
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,840/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,219
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,298
−HK$1,094/mo
Today · 4.125%
HK$42,392
baseline
▲ 0.50% · 4.625%
HK$44,627
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,784/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,482
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,928
−HK$1,469/mo
Today · 4.125%
HK$49,397
baseline
▲ 0.50% · 4.625%
HK$52,402
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,794/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,710
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,097
−HK$1,407/mo
Today · 4.125%
HK$54,504
baseline
▲ 0.50% · 4.625%
HK$57,377
+HK$2,873/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$109,008/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,676 · Scale 2, in force from 26 Feb 2026)