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$25,831
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,635
−HK$816/mo
Today · 4.125%
HK$27,451
baseline
▲ 0.50% · 4.625%
HK$29,121
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,902/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,737
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,508
−HK$782/mo
Today · 4.125%
HK$30,290
baseline
▲ 0.50% · 4.625%
HK$31,886
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,580/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,997
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,962
−HK$979/mo
Today · 4.125%
HK$32,941
baseline
▲ 0.50% · 4.625%
HK$34,946
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,882/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,484
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,409
−HK$938/mo
Today · 4.125%
HK$36,347
baseline
▲ 0.50% · 4.625%
HK$38,263
+HK$1,916/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,694/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,164
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,289
−HK$1,142/mo
Today · 4.125%
HK$38,431
baseline
▲ 0.50% · 4.625%
HK$40,770
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,862/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,232
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,311
−HK$1,094/mo
Today · 4.125%
HK$42,405
baseline
▲ 0.50% · 4.625%
HK$44,641
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,810/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,496
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,942
−HK$1,470/mo
Today · 4.125%
HK$49,412
baseline
▲ 0.50% · 4.625%
HK$52,418
+HK$3,006/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,824/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,727
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,114
−HK$1,407/mo
Today · 4.125%
HK$54,521
baseline
▲ 0.50% · 4.625%
HK$57,395
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,042/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,808 · Scale 2, in force from 26 Feb 2026)