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$25,863
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,667
−HK$818/mo
Today · 4.125%
HK$27,485
baseline
▲ 0.50% · 4.625%
HK$29,157
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,970/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,544
−HK$783/mo
Today · 4.125%
HK$30,327
baseline
▲ 0.50% · 4.625%
HK$31,925
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,654/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,035
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,001
−HK$981/mo
Today · 4.125%
HK$32,982
baseline
▲ 0.50% · 4.625%
HK$34,989
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,964/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,527
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,453
−HK$939/mo
Today · 4.125%
HK$36,392
baseline
▲ 0.50% · 4.625%
HK$38,310
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,784/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,208
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,334
−HK$1,145/mo
Today · 4.125%
HK$38,479
baseline
▲ 0.50% · 4.625%
HK$40,820
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,958/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,281
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,361
−HK$1,096/mo
Today · 4.125%
HK$42,457
baseline
▲ 0.50% · 4.625%
HK$44,695
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,914/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,553
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,001
−HK$1,472/mo
Today · 4.125%
HK$49,473
baseline
▲ 0.50% · 4.625%
HK$52,483
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,946/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,790
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,179
−HK$1,409/mo
Today · 4.125%
HK$54,588
baseline
▲ 0.50% · 4.625%
HK$57,465
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,176/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,329 · Scale 2, in force from 26 Feb 2026)