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$1,619/mo
▼ 0.25% · 3.875%
HK$26,630
−HK$816/mo
Today · 4.125%
HK$27,446
baseline
▲ 0.50% · 4.625%
HK$29,116
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,892/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,732
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,502
−HK$782/mo
Today · 4.125%
HK$30,284
baseline
▲ 0.50% · 4.625%
HK$31,880
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,568/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,992
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,956
−HK$979/mo
Today · 4.125%
HK$32,935
baseline
▲ 0.50% · 4.625%
HK$34,939
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,870/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,478
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,403
−HK$938/mo
Today · 4.125%
HK$36,341
baseline
▲ 0.50% · 4.625%
HK$38,256
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,682/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,157
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,282
−HK$1,143/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$424,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,225
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,303
−HK$1,095/mo
Today · 4.125%
HK$42,398
baseline
▲ 0.50% · 4.625%
HK$44,633
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,796/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,488
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,934
−HK$1,469/mo
Today · 4.125%
HK$49,403
baseline
▲ 0.50% · 4.625%
HK$52,409
+HK$3,006/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,806/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,717
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,104
−HK$1,407/mo
Today · 4.125%
HK$54,511
baseline
▲ 0.50% · 4.625%
HK$57,385
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$109,022/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,732 · Scale 2, in force from 26 Feb 2026)