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$25,818
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,621
−HK$816/mo
Today · 4.125%
HK$27,437
baseline
▲ 0.50% · 4.625%
HK$29,107
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,874/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,722
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,493
−HK$781/mo
Today · 4.125%
HK$30,274
baseline
▲ 0.50% · 4.625%
HK$31,870
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,548/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,982
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,945
−HK$979/mo
Today · 4.125%
HK$32,924
baseline
▲ 0.50% · 4.625%
HK$34,928
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,848/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,467
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,391
−HK$938/mo
Today · 4.125%
HK$36,329
baseline
▲ 0.50% · 4.625%
HK$38,244
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,658/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,145
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,270
−HK$1,142/mo
Today · 4.125%
HK$38,412
baseline
▲ 0.50% · 4.625%
HK$40,749
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,824/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,211
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,290
−HK$1,094/mo
Today · 4.125%
HK$42,384
baseline
▲ 0.50% · 4.625%
HK$44,618
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,768/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,472
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,918
−HK$1,469/mo
Today · 4.125%
HK$49,387
baseline
▲ 0.50% · 4.625%
HK$52,392
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,774/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,700
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,087
−HK$1,406/mo
Today · 4.125%
HK$54,493
baseline
▲ 0.50% · 4.625%
HK$57,366
+HK$2,873/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,986/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,591 · Scale 2, in force from 26 Feb 2026)