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$25,805
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,607
−HK$816/mo
Today · 4.125%
HK$27,423
baseline
▲ 0.50% · 4.625%
HK$29,091
+HK$1,668/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,846/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,707
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,477
−HK$781/mo
Today · 4.125%
HK$30,258
baseline
▲ 0.50% · 4.625%
HK$31,853
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,516/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,966
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,929
−HK$978/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,910
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,449
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,373
−HK$937/mo
Today · 4.125%
HK$36,310
baseline
▲ 0.50% · 4.625%
HK$38,224
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,620/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,127
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,250
−HK$1,142/mo
Today · 4.125%
HK$38,392
baseline
▲ 0.50% · 4.625%
HK$40,728
+HK$2,336/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,784/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,190
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,268
−HK$1,094/mo
Today · 4.125%
HK$42,362
baseline
▲ 0.50% · 4.625%
HK$44,595
+HK$2,233/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,724/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,448
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,893
−HK$1,468/mo
Today · 4.125%
HK$49,361
baseline
▲ 0.50% · 4.625%
HK$52,365
+HK$3,004/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,722/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,673
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,059
−HK$1,406/mo
Today · 4.125%
HK$54,465
baseline
▲ 0.50% · 4.625%
HK$57,336
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,930/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,372 · Scale 2, in force from 26 Feb 2026)