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$25,835
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$817/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$29,126
+HK$1,670/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,912/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,742
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,512
−HK$782/mo
Today · 4.125%
HK$30,294
baseline
▲ 0.50% · 4.625%
HK$31,891
+HK$1,597/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,588/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,003
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,967
−HK$980/mo
Today · 4.125%
HK$32,947
baseline
▲ 0.50% · 4.625%
HK$34,951
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,894/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,490
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,415
−HK$938/mo
Today · 4.125%
HK$36,353
baseline
▲ 0.50% · 4.625%
HK$38,270
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,706/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,170
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,295
−HK$1,143/mo
Today · 4.125%
HK$38,438
baseline
▲ 0.50% · 4.625%
HK$40,777
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,876/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,238
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,317
−HK$1,095/mo
Today · 4.125%
HK$42,412
baseline
▲ 0.50% · 4.625%
HK$44,648
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,824/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,504
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,950
−HK$1,470/mo
Today · 4.125%
HK$49,420
baseline
▲ 0.50% · 4.625%
HK$52,427
+HK$3,007/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,840/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,735
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,122
−HK$1,408/mo
Today · 4.125%
HK$54,530
baseline
▲ 0.50% · 4.625%
HK$57,404
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,060/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,877 · Scale 2, in force from 26 Feb 2026)