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$25,840
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,644
−HK$817/mo
Today · 4.125%
HK$27,461
baseline
▲ 0.50% · 4.625%
HK$29,132
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,922/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,747
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,518
−HK$782/mo
Today · 4.125%
HK$30,300
baseline
▲ 0.50% · 4.625%
HK$31,898
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,600/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,009
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,973
−HK$980/mo
Today · 4.125%
HK$32,953
baseline
▲ 0.50% · 4.625%
HK$34,958
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,906/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,497
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,422
−HK$938/mo
Today · 4.125%
HK$36,360
baseline
▲ 0.50% · 4.625%
HK$38,277
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,720/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,177
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,302
−HK$1,143/mo
Today · 4.125%
HK$38,445
baseline
▲ 0.50% · 4.625%
HK$40,784
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,890/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,246
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,325
−HK$1,095/mo
Today · 4.125%
HK$42,420
baseline
▲ 0.50% · 4.625%
HK$44,657
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,840/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,513
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,960
−HK$1,470/mo
Today · 4.125%
HK$49,430
baseline
▲ 0.50% · 4.625%
HK$52,437
+HK$3,007/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,860/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,745
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,133
−HK$1,408/mo
Today · 4.125%
HK$54,541
baseline
▲ 0.50% · 4.625%
HK$57,416
+HK$2,875/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,082/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,960 · Scale 2, in force from 26 Feb 2026)