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$25,833
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,637
−HK$816/mo
Today · 4.125%
HK$27,453
baseline
▲ 0.50% · 4.625%
HK$29,124
+HK$1,671/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,906/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,739
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,510
−HK$782/mo
Today · 4.125%
HK$30,292
baseline
▲ 0.50% · 4.625%
HK$31,889
+HK$1,597/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,584/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,000
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$980/mo
Today · 4.125%
HK$32,944
baseline
▲ 0.50% · 4.625%
HK$34,948
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,888/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,487
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,412
−HK$938/mo
Today · 4.125%
HK$36,350
baseline
▲ 0.50% · 4.625%
HK$38,266
+HK$1,916/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,700/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,166
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,291
−HK$1,143/mo
Today · 4.125%
HK$38,434
baseline
▲ 0.50% · 4.625%
HK$40,773
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,868/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,235
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,314
−HK$1,094/mo
Today · 4.125%
HK$42,408
baseline
▲ 0.50% · 4.625%
HK$44,644
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,816/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,500
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,946
−HK$1,470/mo
Today · 4.125%
HK$49,416
baseline
▲ 0.50% · 4.625%
HK$52,422
+HK$3,006/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,832/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,730
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,118
−HK$1,407/mo
Today · 4.125%
HK$54,525
baseline
▲ 0.50% · 4.625%
HK$57,399
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,050/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,840 · Scale 2, in force from 26 Feb 2026)