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$25,822
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,625
−HK$816/mo
Today · 4.125%
HK$27,441
baseline
▲ 0.50% · 4.625%
HK$29,111
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,882/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,727
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,497
−HK$782/mo
Today · 4.125%
HK$30,279
baseline
▲ 0.50% · 4.625%
HK$31,875
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,558/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,986
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,950
−HK$979/mo
Today · 4.125%
HK$32,929
baseline
▲ 0.50% · 4.625%
HK$34,933
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,858/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,472
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,397
−HK$937/mo
Today · 4.125%
HK$36,334
baseline
▲ 0.50% · 4.625%
HK$38,250
+HK$1,916/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,668/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,151
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,275
−HK$1,143/mo
Today · 4.125%
HK$38,418
baseline
▲ 0.50% · 4.625%
HK$40,755
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,836/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,217
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,296
−HK$1,094/mo
Today · 4.125%
HK$42,390
baseline
▲ 0.50% · 4.625%
HK$44,625
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,780/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,480
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,925
−HK$1,469/mo
Today · 4.125%
HK$49,394
baseline
▲ 0.50% · 4.625%
HK$52,400
+HK$3,006/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,788/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,708
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,095
−HK$1,407/mo
Today · 4.125%
HK$54,502
baseline
▲ 0.50% · 4.625%
HK$57,374
+HK$2,872/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$109,004/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,656 · Scale 2, in force from 26 Feb 2026)