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$1,620/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$816/mo
Today · 4.125%
HK$27,455
baseline
▲ 0.50% · 4.625%
HK$29,126
+HK$1,671/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,910/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,741
−HK$1,553/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$5.66M · loan HK$5.66M · min. income ≈ HK$60,588/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,002
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,966
−HK$980/mo
Today · 4.125%
HK$32,946
baseline
▲ 0.50% · 4.625%
HK$34,951
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,892/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,872 · 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$38,269
+HK$1,916/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$424,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,169
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,294
−HK$1,143/mo
Today · 4.125%
HK$38,437
baseline
▲ 0.50% · 4.625%
HK$40,776
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,874/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,872 · 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$44,647
+HK$2,235/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$424,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,503
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,950
−HK$1,469/mo
Today · 4.125%
HK$49,419
baseline
▲ 0.50% · 4.625%
HK$52,426
+HK$3,007/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,838/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,734
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,122
−HK$1,407/mo
Today · 4.125%
HK$54,529
baseline
▲ 0.50% · 4.625%
HK$57,404
+HK$2,875/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,058/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,872 · Scale 2, in force from 26 Feb 2026)