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$25,800
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,602
−HK$816/mo
Today · 4.125%
HK$27,418
baseline
▲ 0.50% · 4.625%
HK$29,086
+HK$1,668/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,836/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,702
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,472
−HK$781/mo
Today · 4.125%
HK$30,253
baseline
▲ 0.50% · 4.625%
HK$31,847
+HK$1,594/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,506/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,960
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,923
−HK$978/mo
Today · 4.125%
HK$32,901
baseline
▲ 0.50% · 4.625%
HK$34,903
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,802/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,366
−HK$937/mo
Today · 4.125%
HK$36,303
baseline
▲ 0.50% · 4.625%
HK$38,217
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,606/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,120
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,243
−HK$1,142/mo
Today · 4.125%
HK$38,385
baseline
▲ 0.50% · 4.625%
HK$40,720
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,770/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,183
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,261
−HK$1,093/mo
Today · 4.125%
HK$42,354
baseline
▲ 0.50% · 4.625%
HK$44,586
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,708/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,440
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,884
−HK$1,468/mo
Today · 4.125%
HK$49,352
baseline
▲ 0.50% · 4.625%
HK$52,355
+HK$3,003/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,704/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,664
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,049
−HK$1,406/mo
Today · 4.125%
HK$54,455
baseline
▲ 0.50% · 4.625%
HK$57,325
+HK$2,870/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,910/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,292 · Scale 2, in force from 26 Feb 2026)