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$25,793
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$815/mo
Today · 4.125%
HK$27,410
baseline
▲ 0.50% · 4.625%
HK$29,078
+HK$1,668/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,820/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,694
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,464
−HK$781/mo
Today · 4.125%
HK$30,245
baseline
▲ 0.50% · 4.625%
HK$31,839
+HK$1,594/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,490/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,951
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,914
−HK$978/mo
Today · 4.125%
HK$32,892
baseline
▲ 0.50% · 4.625%
HK$34,894
+HK$2,002/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,784/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,433
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,357
−HK$936/mo
Today · 4.125%
HK$36,293
baseline
▲ 0.50% · 4.625%
HK$38,207
+HK$1,914/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$72,586/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,110
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,233
−HK$1,141/mo
Today · 4.125%
HK$38,374
baseline
▲ 0.50% · 4.625%
HK$40,709
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,748/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,172
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,249
−HK$1,093/mo
Today · 4.125%
HK$42,342
baseline
▲ 0.50% · 4.625%
HK$44,574
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,684/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,427
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,871
−HK$1,468/mo
Today · 4.125%
HK$49,339
baseline
▲ 0.50% · 4.625%
HK$52,341
+HK$3,002/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,678/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,650
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,035
−HK$1,405/mo
Today · 4.125%
HK$54,440
baseline
▲ 0.50% · 4.625%
HK$57,310
+HK$2,870/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,880/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,177 · Scale 2, in force from 26 Feb 2026)