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$25,836
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$817/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$29,127
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,912/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,742
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,513
−HK$782/mo
Today · 4.125%
HK$30,295
baseline
▲ 0.50% · 4.625%
HK$31,892
+HK$1,597/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,590/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,003
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,967
−HK$980/mo
Today · 4.125%
HK$32,947
baseline
▲ 0.50% · 4.625%
HK$34,952
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,894/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,490
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,415
−HK$939/mo
Today · 4.125%
HK$36,354
baseline
▲ 0.50% · 4.625%
HK$38,270
+HK$1,916/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,708/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,170
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,295
−HK$1,143/mo
Today · 4.125%
HK$38,438
baseline
▲ 0.50% · 4.625%
HK$40,777
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,876/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,239
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,318
−HK$1,095/mo
Today · 4.125%
HK$42,413
baseline
▲ 0.50% · 4.625%
HK$44,648
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,826/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,504
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,951
−HK$1,470/mo
Today · 4.125%
HK$49,421
baseline
▲ 0.50% · 4.625%
HK$52,428
+HK$3,007/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,842/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,736
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,123
−HK$1,408/mo
Today · 4.125%
HK$54,531
baseline
▲ 0.50% · 4.625%
HK$57,405
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,062/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,883 · Scale 2, in force from 26 Feb 2026)