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$25,794
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,597
−HK$815/mo
Today · 4.125%
HK$27,412
baseline
▲ 0.50% · 4.625%
HK$29,080
+HK$1,668/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,824/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,696
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,466
−HK$780/mo
Today · 4.125%
HK$30,246
baseline
▲ 0.50% · 4.625%
HK$31,841
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,492/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,953
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,916
−HK$978/mo
Today · 4.125%
HK$32,894
baseline
▲ 0.50% · 4.625%
HK$34,896
+HK$2,002/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,788/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,435
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,359
−HK$937/mo
Today · 4.125%
HK$36,296
baseline
▲ 0.50% · 4.625%
HK$38,209
+HK$1,913/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$72,592/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,112
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,235
−HK$1,142/mo
Today · 4.125%
HK$38,377
baseline
▲ 0.50% · 4.625%
HK$40,712
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,754/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,174
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,252
−HK$1,093/mo
Today · 4.125%
HK$42,345
baseline
▲ 0.50% · 4.625%
HK$44,577
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,690/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,430
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,874
−HK$1,467/mo
Today · 4.125%
HK$49,341
baseline
▲ 0.50% · 4.625%
HK$52,344
+HK$3,003/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,682/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,653
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,038
−HK$1,405/mo
Today · 4.125%
HK$54,443
baseline
▲ 0.50% · 4.625%
HK$57,313
+HK$2,870/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,886/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,202 · Scale 2, in force from 26 Feb 2026)