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$1,620/mo
▼ 0.25% · 3.875%
HK$26,623
−HK$816/mo
Today · 4.125%
HK$27,439
baseline
▲ 0.50% · 4.625%
HK$29,108
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,878/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,724
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$782/mo
Today · 4.125%
HK$30,276
baseline
▲ 0.50% · 4.625%
HK$31,872
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,552/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,614 · 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$34,930
+HK$2,004/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$424,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,469
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,393
−HK$938/mo
Today · 4.125%
HK$36,331
baseline
▲ 0.50% · 4.625%
HK$38,246
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,662/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,147
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,272
−HK$1,142/mo
Today · 4.125%
HK$38,414
baseline
▲ 0.50% · 4.625%
HK$40,751
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,828/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,213
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,292
−HK$1,094/mo
Today · 4.125%
HK$42,386
baseline
▲ 0.50% · 4.625%
HK$44,620
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,772/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,475
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,921
−HK$1,468/mo
Today · 4.125%
HK$49,389
baseline
▲ 0.50% · 4.625%
HK$52,395
+HK$3,006/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$424,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,703
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,090
−HK$1,406/mo
Today · 4.125%
HK$54,496
baseline
▲ 0.50% · 4.625%
HK$57,369
+HK$2,873/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,992/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,614 · Scale 2, in force from 26 Feb 2026)