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$25,802
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,605
−HK$816/mo
Today · 4.125%
HK$27,421
baseline
▲ 0.50% · 4.625%
HK$29,089
+HK$1,668/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$424,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,705
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,475
−HK$781/mo
Today · 4.125%
HK$30,256
baseline
▲ 0.50% · 4.625%
HK$31,851
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,512/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,963
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,926
−HK$979/mo
Today · 4.125%
HK$32,905
baseline
▲ 0.50% · 4.625%
HK$34,907
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,810/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,446
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,370
−HK$937/mo
Today · 4.125%
HK$36,307
baseline
▲ 0.50% · 4.625%
HK$38,221
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,614/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,123
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,247
−HK$1,142/mo
Today · 4.125%
HK$38,389
baseline
▲ 0.50% · 4.625%
HK$40,725
+HK$2,336/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,778/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,187
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,265
−HK$1,093/mo
Today · 4.125%
HK$42,358
baseline
▲ 0.50% · 4.625%
HK$44,591
+HK$2,233/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,716/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,444
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,889
−HK$1,468/mo
Today · 4.125%
HK$49,357
baseline
▲ 0.50% · 4.625%
HK$52,360
+HK$3,003/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,714/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,669
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,055
−HK$1,406/mo
Today · 4.125%
HK$54,461
baseline
▲ 0.50% · 4.625%
HK$57,331
+HK$2,870/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,922/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,336 · Scale 2, in force from 26 Feb 2026)