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$25,813
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,616
−HK$815/mo
Today · 4.125%
HK$27,431
baseline
▲ 0.50% · 4.625%
HK$29,101
+HK$1,670/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$424,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,716
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,487
−HK$781/mo
Today · 4.125%
HK$30,268
baseline
▲ 0.50% · 4.625%
HK$31,863
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,536/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,975
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,939
−HK$979/mo
Today · 4.125%
HK$32,918
baseline
▲ 0.50% · 4.625%
HK$34,921
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,836/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,460
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,384
−HK$937/mo
Today · 4.125%
HK$36,321
baseline
▲ 0.50% · 4.625%
HK$38,236
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,642/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,138
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,262
−HK$1,142/mo
Today · 4.125%
HK$38,404
baseline
▲ 0.50% · 4.625%
HK$40,741
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,808/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,203
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,281
−HK$1,094/mo
Today · 4.125%
HK$42,375
baseline
▲ 0.50% · 4.625%
HK$44,609
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,750/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,463
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,908
−HK$1,469/mo
Today · 4.125%
HK$49,377
baseline
▲ 0.50% · 4.625%
HK$52,381
+HK$3,004/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,754/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,690
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,076
−HK$1,406/mo
Today · 4.125%
HK$54,482
baseline
▲ 0.50% · 4.625%
HK$57,354
+HK$2,872/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,964/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,504 · Scale 2, in force from 26 Feb 2026)