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$25,795
−HK$1,617/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$424,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,696
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,466
−HK$781/mo
Today · 4.125%
HK$30,247
baseline
▲ 0.50% · 4.625%
HK$31,841
+HK$1,594/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,494/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,953
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,916
−HK$979/mo
Today · 4.125%
HK$32,895
baseline
▲ 0.50% · 4.625%
HK$34,896
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,790/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,205 · 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$424,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,112
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,236
−HK$1,141/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$424,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,175
−HK$2,170/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$424,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,430
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,874
−HK$1,468/mo
Today · 4.125%
HK$49,342
baseline
▲ 0.50% · 4.625%
HK$52,344
+HK$3,002/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,684/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,653
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,038
−HK$1,406/mo
Today · 4.125%
HK$54,444
baseline
▲ 0.50% · 4.625%
HK$57,314
+HK$2,870/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,888/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,205 · Scale 2, in force from 26 Feb 2026)