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$25,834
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,637
−HK$817/mo
Today · 4.125%
HK$27,454
baseline
▲ 0.50% · 4.625%
HK$29,124
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,908/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,740
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,510
−HK$782/mo
Today · 4.125%
HK$30,292
baseline
▲ 0.50% · 4.625%
HK$31,889
+HK$1,597/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,584/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,000
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,965
−HK$979/mo
Today · 4.125%
HK$32,944
baseline
▲ 0.50% · 4.625%
HK$34,949
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,888/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,487
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,412
−HK$939/mo
Today · 4.125%
HK$36,351
baseline
▲ 0.50% · 4.625%
HK$38,267
+HK$1,916/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,702/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,167
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,292
−HK$1,143/mo
Today · 4.125%
HK$38,435
baseline
▲ 0.50% · 4.625%
HK$40,774
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,870/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,235
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,314
−HK$1,095/mo
Today · 4.125%
HK$42,409
baseline
▲ 0.50% · 4.625%
HK$44,645
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,818/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,500
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,947
−HK$1,469/mo
Today · 4.125%
HK$49,416
baseline
▲ 0.50% · 4.625%
HK$52,423
+HK$3,007/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,832/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,731
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,119
−HK$1,407/mo
Today · 4.125%
HK$54,526
baseline
▲ 0.50% · 4.625%
HK$57,400
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,052/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,846 · Scale 2, in force from 26 Feb 2026)