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$25,829
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,632
−HK$816/mo
Today · 4.125%
HK$27,448
baseline
▲ 0.50% · 4.625%
HK$29,119
+HK$1,671/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,896/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,734
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,505
−HK$782/mo
Today · 4.125%
HK$30,287
baseline
▲ 0.50% · 4.625%
HK$31,883
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,574/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,994
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,959
−HK$979/mo
Today · 4.125%
HK$32,938
baseline
▲ 0.50% · 4.625%
HK$34,942
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,876/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,481
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,406
−HK$938/mo
Today · 4.125%
HK$36,344
baseline
▲ 0.50% · 4.625%
HK$38,260
+HK$1,916/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,688/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,160
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,285
−HK$1,143/mo
Today · 4.125%
HK$38,428
baseline
▲ 0.50% · 4.625%
HK$40,766
+HK$2,338/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,856/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,228
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,307
−HK$1,094/mo
Today · 4.125%
HK$42,401
baseline
▲ 0.50% · 4.625%
HK$44,636
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,802/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,492
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,938
−HK$1,469/mo
Today · 4.125%
HK$49,407
baseline
▲ 0.50% · 4.625%
HK$52,413
+HK$3,006/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,814/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,722
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,109
−HK$1,407/mo
Today · 4.125%
HK$54,516
baseline
▲ 0.50% · 4.625%
HK$57,389
+HK$2,873/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$109,032/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,767 · Scale 2, in force from 26 Feb 2026)