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$25,808
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,610
−HK$816/mo
Today · 4.125%
HK$27,426
baseline
▲ 0.50% · 4.625%
HK$29,095
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,852/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,711
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,481
−HK$781/mo
Today · 4.125%
HK$30,262
baseline
▲ 0.50% · 4.625%
HK$31,857
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,524/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,969
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,932
−HK$979/mo
Today · 4.125%
HK$32,911
baseline
▲ 0.50% · 4.625%
HK$34,914
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,822/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,453
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,377
−HK$937/mo
Today · 4.125%
HK$36,314
baseline
▲ 0.50% · 4.625%
HK$38,228
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,628/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,131
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,254
−HK$1,142/mo
Today · 4.125%
HK$38,396
baseline
▲ 0.50% · 4.625%
HK$40,733
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,792/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,195
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,273
−HK$1,093/mo
Today · 4.125%
HK$42,366
baseline
▲ 0.50% · 4.625%
HK$44,600
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,732/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,454
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,898
−HK$1,469/mo
Today · 4.125%
HK$49,367
baseline
▲ 0.50% · 4.625%
HK$52,370
+HK$3,003/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,734/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,679
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,065
−HK$1,406/mo
Today · 4.125%
HK$54,471
baseline
▲ 0.50% · 4.625%
HK$57,342
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,942/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,418 · Scale 2, in force from 26 Feb 2026)