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$25,783
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,585
−HK$815/mo
Today · 4.125%
HK$27,400
baseline
▲ 0.50% · 4.625%
HK$29,067
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,800/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,683
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,453
−HK$780/mo
Today · 4.125%
HK$30,233
baseline
▲ 0.50% · 4.625%
HK$31,827
+HK$1,594/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,466/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,940
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,902
−HK$978/mo
Today · 4.125%
HK$32,880
baseline
▲ 0.50% · 4.625%
HK$34,881
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,760/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,420
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,343
−HK$937/mo
Today · 4.125%
HK$36,280
baseline
▲ 0.50% · 4.625%
HK$38,192
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,560/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,096
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,219
−HK$1,141/mo
Today · 4.125%
HK$38,360
baseline
▲ 0.50% · 4.625%
HK$40,694
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,720/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,157
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,234
−HK$1,092/mo
Today · 4.125%
HK$42,326
baseline
▲ 0.50% · 4.625%
HK$44,557
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,652/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,410
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,853
−HK$1,467/mo
Today · 4.125%
HK$49,320
baseline
▲ 0.50% · 4.625%
HK$52,321
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,640/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,630
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,015
−HK$1,405/mo
Today · 4.125%
HK$54,420
baseline
▲ 0.50% · 4.625%
HK$57,288
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,840/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,017 · Scale 2, in force from 26 Feb 2026)