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$25,807
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,609
−HK$816/mo
Today · 4.125%
HK$27,425
baseline
▲ 0.50% · 4.625%
HK$29,094
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,850/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,710
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,479
−HK$782/mo
Today · 4.125%
HK$30,261
baseline
▲ 0.50% · 4.625%
HK$31,856
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,522/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,968
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,931
−HK$979/mo
Today · 4.125%
HK$32,910
baseline
▲ 0.50% · 4.625%
HK$34,912
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,820/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,451
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,375
−HK$938/mo
Today · 4.125%
HK$36,313
baseline
▲ 0.50% · 4.625%
HK$38,227
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,626/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,129
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,253
−HK$1,142/mo
Today · 4.125%
HK$38,395
baseline
▲ 0.50% · 4.625%
HK$40,731
+HK$2,336/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,790/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,193
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,271
−HK$1,094/mo
Today · 4.125%
HK$42,365
baseline
▲ 0.50% · 4.625%
HK$44,598
+HK$2,233/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,730/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,452
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,897
−HK$1,468/mo
Today · 4.125%
HK$49,365
baseline
▲ 0.50% · 4.625%
HK$52,368
+HK$3,003/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,730/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,677
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,063
−HK$1,406/mo
Today · 4.125%
HK$54,469
baseline
▲ 0.50% · 4.625%
HK$57,340
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,938/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,402 · Scale 2, in force from 26 Feb 2026)