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$25,819
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,622
−HK$816/mo
Today · 4.125%
HK$27,438
baseline
▲ 0.50% · 4.625%
HK$29,108
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,876/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,723
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$781/mo
Today · 4.125%
HK$30,275
baseline
▲ 0.50% · 4.625%
HK$31,871
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,550/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,983
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,947
−HK$979/mo
Today · 4.125%
HK$32,926
baseline
▲ 0.50% · 4.625%
HK$34,929
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,852/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,468
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,392
−HK$938/mo
Today · 4.125%
HK$36,330
baseline
▲ 0.50% · 4.625%
HK$38,245
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,660/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,147
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,271
−HK$1,142/mo
Today · 4.125%
HK$38,413
baseline
▲ 0.50% · 4.625%
HK$40,751
+HK$2,338/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,826/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,213
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,291
−HK$1,094/mo
Today · 4.125%
HK$42,385
baseline
▲ 0.50% · 4.625%
HK$44,620
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,770/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,474
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,920
−HK$1,469/mo
Today · 4.125%
HK$49,389
baseline
▲ 0.50% · 4.625%
HK$52,394
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,778/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,702
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,089
−HK$1,406/mo
Today · 4.125%
HK$54,495
baseline
▲ 0.50% · 4.625%
HK$57,368
+HK$2,873/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,990/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,608 · Scale 2, in force from 26 Feb 2026)