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$25,815
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,618
−HK$816/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$29,103
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,719
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,490
−HK$781/mo
Today · 4.125%
HK$30,271
baseline
▲ 0.50% · 4.625%
HK$31,866
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,542/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,978
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,942
−HK$979/mo
Today · 4.125%
HK$32,921
baseline
▲ 0.50% · 4.625%
HK$34,924
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,842/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,463
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,387
−HK$938/mo
Today · 4.125%
HK$36,325
baseline
▲ 0.50% · 4.625%
HK$38,240
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,650/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,141
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,266
−HK$1,142/mo
Today · 4.125%
HK$38,408
baseline
▲ 0.50% · 4.625%
HK$40,745
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,816/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,207
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,285
−HK$1,094/mo
Today · 4.125%
HK$42,379
baseline
▲ 0.50% · 4.625%
HK$44,613
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,758/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,468
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,913
−HK$1,468/mo
Today · 4.125%
HK$49,381
baseline
▲ 0.50% · 4.625%
HK$52,386
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,762/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,695
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,081
−HK$1,407/mo
Today · 4.125%
HK$54,488
baseline
▲ 0.50% · 4.625%
HK$57,360
+HK$2,872/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,976/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,547 · Scale 2, in force from 26 Feb 2026)