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$25,826
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,629
−HK$816/mo
Today · 4.125%
HK$27,445
baseline
▲ 0.50% · 4.625%
HK$29,115
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,890/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,731
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,502
−HK$781/mo
Today · 4.125%
HK$30,283
baseline
▲ 0.50% · 4.625%
HK$31,879
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,566/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,991
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,955
−HK$979/mo
Today · 4.125%
HK$32,934
baseline
▲ 0.50% · 4.625%
HK$34,938
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,868/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,477
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,402
−HK$938/mo
Today · 4.125%
HK$36,340
baseline
▲ 0.50% · 4.625%
HK$38,255
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,680/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,156
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,281
−HK$1,142/mo
Today · 4.125%
HK$38,423
baseline
▲ 0.50% · 4.625%
HK$40,761
+HK$2,338/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,846/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,223
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,302
−HK$1,094/mo
Today · 4.125%
HK$42,396
baseline
▲ 0.50% · 4.625%
HK$44,631
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,792/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,486
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,932
−HK$1,470/mo
Today · 4.125%
HK$49,402
baseline
▲ 0.50% · 4.625%
HK$52,408
+HK$3,006/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,804/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,716
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,103
−HK$1,407/mo
Today · 4.125%
HK$54,510
baseline
▲ 0.50% · 4.625%
HK$57,383
+HK$2,873/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$109,020/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,719 · Scale 2, in force from 26 Feb 2026)