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$25,811
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$816/mo
Today · 4.125%
HK$27,430
baseline
▲ 0.50% · 4.625%
HK$29,099
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,860/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,715
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,485
−HK$781/mo
Today · 4.125%
HK$30,266
baseline
▲ 0.50% · 4.625%
HK$31,861
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,532/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,973
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,937
−HK$979/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,918
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,457
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,382
−HK$937/mo
Today · 4.125%
HK$36,319
baseline
▲ 0.50% · 4.625%
HK$38,233
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,638/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,135
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,259
−HK$1,142/mo
Today · 4.125%
HK$38,401
baseline
▲ 0.50% · 4.625%
HK$40,738
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,802/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,200
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,278
−HK$1,094/mo
Today · 4.125%
HK$42,372
baseline
▲ 0.50% · 4.625%
HK$44,606
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,744/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,460
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,905
−HK$1,468/mo
Today · 4.125%
HK$49,373
baseline
▲ 0.50% · 4.625%
HK$52,378
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,746/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,686
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,072
−HK$1,407/mo
Today · 4.125%
HK$54,479
baseline
▲ 0.50% · 4.625%
HK$57,350
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,958/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,476 · Scale 2, in force from 26 Feb 2026)