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$25,803
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,606
−HK$815/mo
Today · 4.125%
HK$27,421
baseline
▲ 0.50% · 4.625%
HK$29,090
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,842/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,706
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,476
−HK$781/mo
Today · 4.125%
HK$30,257
baseline
▲ 0.50% · 4.625%
HK$31,852
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,514/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,964
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,927
−HK$979/mo
Today · 4.125%
HK$32,906
baseline
▲ 0.50% · 4.625%
HK$34,908
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,812/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,447
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,371
−HK$937/mo
Today · 4.125%
HK$36,308
baseline
▲ 0.50% · 4.625%
HK$38,222
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,616/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,125
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,248
−HK$1,142/mo
Today · 4.125%
HK$38,390
baseline
▲ 0.50% · 4.625%
HK$40,726
+HK$2,336/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,780/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,188
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,266
−HK$1,093/mo
Today · 4.125%
HK$42,359
baseline
▲ 0.50% · 4.625%
HK$44,592
+HK$2,233/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,718/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,446
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,891
−HK$1,467/mo
Today · 4.125%
HK$49,358
baseline
▲ 0.50% · 4.625%
HK$52,362
+HK$3,004/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,716/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,670
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,056
−HK$1,406/mo
Today · 4.125%
HK$54,462
baseline
▲ 0.50% · 4.625%
HK$57,333
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,924/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,348 · Scale 2, in force from 26 Feb 2026)