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$25,817
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,620
−HK$816/mo
Today · 4.125%
HK$27,436
baseline
▲ 0.50% · 4.625%
HK$29,105
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,872/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,721
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,491
−HK$781/mo
Today · 4.125%
HK$30,272
baseline
▲ 0.50% · 4.625%
HK$31,868
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,544/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,980
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,944
−HK$979/mo
Today · 4.125%
HK$32,923
baseline
▲ 0.50% · 4.625%
HK$34,926
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,846/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,465
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,389
−HK$938/mo
Today · 4.125%
HK$36,327
baseline
▲ 0.50% · 4.625%
HK$38,242
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,654/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,143
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,268
−HK$1,142/mo
Today · 4.125%
HK$38,410
baseline
▲ 0.50% · 4.625%
HK$40,747
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,820/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,209
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,287
−HK$1,094/mo
Today · 4.125%
HK$42,381
baseline
▲ 0.50% · 4.625%
HK$44,615
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,762/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,470
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,915
−HK$1,469/mo
Today · 4.125%
HK$49,384
baseline
▲ 0.50% · 4.625%
HK$52,389
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,768/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,697
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,084
−HK$1,406/mo
Today · 4.125%
HK$54,490
baseline
▲ 0.50% · 4.625%
HK$57,363
+HK$2,873/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,980/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,569 · Scale 2, in force from 26 Feb 2026)