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$25,798
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,600
−HK$815/mo
Today · 4.125%
HK$27,415
baseline
▲ 0.50% · 4.625%
HK$29,084
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,830/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,700
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,469
−HK$781/mo
Today · 4.125%
HK$30,250
baseline
▲ 0.50% · 4.625%
HK$31,845
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,500/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,957
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,920
−HK$979/mo
Today · 4.125%
HK$32,899
baseline
▲ 0.50% · 4.625%
HK$34,900
+HK$2,001/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,798/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,440
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,363
−HK$937/mo
Today · 4.125%
HK$36,300
baseline
▲ 0.50% · 4.625%
HK$38,214
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,600/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,117
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,240
−HK$1,142/mo
Today · 4.125%
HK$38,382
baseline
▲ 0.50% · 4.625%
HK$40,717
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,764/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,180
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,257
−HK$1,093/mo
Today · 4.125%
HK$42,350
baseline
▲ 0.50% · 4.625%
HK$44,583
+HK$2,233/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,700/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,436
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,880
−HK$1,468/mo
Today · 4.125%
HK$49,348
baseline
▲ 0.50% · 4.625%
HK$52,351
+HK$3,003/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,696/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,659
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,045
−HK$1,405/mo
Today · 4.125%
HK$54,450
baseline
▲ 0.50% · 4.625%
HK$57,321
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,900/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,257 · Scale 2, in force from 26 Feb 2026)