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$25,811
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$816/mo
Today · 4.125%
HK$27,430
baseline
▲ 0.50% · 4.625%
HK$29,099
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,860/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,715
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,485
−HK$781/mo
Today · 4.125%
HK$30,266
baseline
▲ 0.50% · 4.625%
HK$31,862
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,532/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,974
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,937
−HK$979/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,919
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,458
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,382
−HK$938/mo
Today · 4.125%
HK$36,320
baseline
▲ 0.50% · 4.625%
HK$38,234
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,640/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,136
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,260
−HK$1,142/mo
Today · 4.125%
HK$38,402
baseline
▲ 0.50% · 4.625%
HK$40,739
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,804/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,201
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,279
−HK$1,094/mo
Today · 4.125%
HK$42,373
baseline
▲ 0.50% · 4.625%
HK$44,606
+HK$2,233/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,746/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,461
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,906
−HK$1,468/mo
Today · 4.125%
HK$49,374
baseline
▲ 0.50% · 4.625%
HK$52,378
+HK$3,004/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,748/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,687
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,073
−HK$1,406/mo
Today · 4.125%
HK$54,479
baseline
▲ 0.50% · 4.625%
HK$57,351
+HK$2,872/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,958/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,483 · Scale 2, in force from 26 Feb 2026)