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$25,812
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,615
−HK$816/mo
Today · 4.125%
HK$27,431
baseline
▲ 0.50% · 4.625%
HK$29,100
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,862/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,716
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,486
−HK$781/mo
Today · 4.125%
HK$30,267
baseline
▲ 0.50% · 4.625%
HK$31,862
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,534/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,974
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,938
−HK$979/mo
Today · 4.125%
HK$32,917
baseline
▲ 0.50% · 4.625%
HK$34,920
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,834/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,459
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,383
−HK$937/mo
Today · 4.125%
HK$36,320
baseline
▲ 0.50% · 4.625%
HK$38,235
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,640/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,137
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,261
−HK$1,142/mo
Today · 4.125%
HK$38,403
baseline
▲ 0.50% · 4.625%
HK$40,740
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,806/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,202
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,280
−HK$1,094/mo
Today · 4.125%
HK$42,374
baseline
▲ 0.50% · 4.625%
HK$44,607
+HK$2,233/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,748/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,462
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,907
−HK$1,468/mo
Today · 4.125%
HK$49,375
baseline
▲ 0.50% · 4.625%
HK$52,379
+HK$3,004/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,750/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,688
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,074
−HK$1,407/mo
Today · 4.125%
HK$54,481
baseline
▲ 0.50% · 4.625%
HK$57,352
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,962/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,492 · Scale 2, in force from 26 Feb 2026)