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$25,795
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,597
−HK$816/mo
Today · 4.125%
HK$27,413
baseline
▲ 0.50% · 4.625%
HK$29,081
+HK$1,668/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,826/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,697
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,466
−HK$781/mo
Today · 4.125%
HK$30,247
baseline
▲ 0.50% · 4.625%
HK$31,841
+HK$1,594/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,494/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,954
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,917
−HK$978/mo
Today · 4.125%
HK$32,895
baseline
▲ 0.50% · 4.625%
HK$34,897
+HK$2,002/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,790/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,436
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,360
−HK$936/mo
Today · 4.125%
HK$36,296
baseline
▲ 0.50% · 4.625%
HK$38,210
+HK$1,914/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$72,592/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,113
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,236
−HK$1,142/mo
Today · 4.125%
HK$38,378
baseline
▲ 0.50% · 4.625%
HK$40,713
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,756/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,175
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,253
−HK$1,093/mo
Today · 4.125%
HK$42,346
baseline
▲ 0.50% · 4.625%
HK$44,578
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,692/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,431
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,875
−HK$1,468/mo
Today · 4.125%
HK$49,343
baseline
▲ 0.50% · 4.625%
HK$52,345
+HK$3,002/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,686/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,654
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,039
−HK$1,406/mo
Today · 4.125%
HK$54,445
baseline
▲ 0.50% · 4.625%
HK$57,315
+HK$2,870/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,890/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,213 · Scale 2, in force from 26 Feb 2026)