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$25,809
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,612
−HK$815/mo
Today · 4.125%
HK$27,427
baseline
▲ 0.50% · 4.625%
HK$29,096
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,854/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,712
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,482
−HK$781/mo
Today · 4.125%
HK$30,263
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,526/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,971
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,934
−HK$979/mo
Today · 4.125%
HK$32,913
baseline
▲ 0.50% · 4.625%
HK$34,915
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,826/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,454
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,378
−HK$938/mo
Today · 4.125%
HK$36,316
baseline
▲ 0.50% · 4.625%
HK$38,230
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,632/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,132
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,256
−HK$1,142/mo
Today · 4.125%
HK$38,398
baseline
▲ 0.50% · 4.625%
HK$40,735
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,796/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,197
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,275
−HK$1,094/mo
Today · 4.125%
HK$42,369
baseline
▲ 0.50% · 4.625%
HK$44,602
+HK$2,233/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,738/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,456
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,901
−HK$1,468/mo
Today · 4.125%
HK$49,369
baseline
▲ 0.50% · 4.625%
HK$52,373
+HK$3,004/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,738/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,682
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,068
−HK$1,406/mo
Today · 4.125%
HK$54,474
baseline
▲ 0.50% · 4.625%
HK$57,345
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,948/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,439 · Scale 2, in force from 26 Feb 2026)