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$26,636
−HK$817/mo
Today · 4.125%
HK$27,453
baseline
▲ 0.50% · 4.625%
HK$29,123
+HK$1,670/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$424,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,739
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,509
−HK$782/mo
Today · 4.125%
HK$30,291
baseline
▲ 0.50% · 4.625%
HK$31,888
+HK$1,597/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,582/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,999
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$979/mo
Today · 4.125%
HK$32,943
baseline
▲ 0.50% · 4.625%
HK$34,948
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,886/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,486
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,411
−HK$939/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$424,834 · 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$40,772
+HK$2,338/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$424,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,234
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,313
−HK$1,095/mo
Today · 4.125%
HK$42,408
baseline
▲ 0.50% · 4.625%
HK$44,643
+HK$2,235/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$424,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,499
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,945
−HK$1,470/mo
Today · 4.125%
HK$49,415
baseline
▲ 0.50% · 4.625%
HK$52,422
+HK$3,007/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,830/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,730
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,117
−HK$1,407/mo
Today · 4.125%
HK$54,524
baseline
▲ 0.50% · 4.625%
HK$57,398
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,048/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,834 · Scale 2, in force from 26 Feb 2026)