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$25,813
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,616
−HK$816/mo
Today · 4.125%
HK$27,432
baseline
▲ 0.50% · 4.625%
HK$29,101
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,864/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,717
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,487
−HK$782/mo
Today · 4.125%
HK$30,269
baseline
▲ 0.50% · 4.625%
HK$31,864
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,538/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,976
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,940
−HK$979/mo
Today · 4.125%
HK$32,919
baseline
▲ 0.50% · 4.625%
HK$34,922
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,838/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,461
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,385
−HK$937/mo
Today · 4.125%
HK$36,322
baseline
▲ 0.50% · 4.625%
HK$38,237
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,644/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,139
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,263
−HK$1,142/mo
Today · 4.125%
HK$38,405
baseline
▲ 0.50% · 4.625%
HK$40,742
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,810/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,204
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,282
−HK$1,094/mo
Today · 4.125%
HK$42,376
baseline
▲ 0.50% · 4.625%
HK$44,610
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,752/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,464
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,909
−HK$1,469/mo
Today · 4.125%
HK$49,378
baseline
▲ 0.50% · 4.625%
HK$52,382
+HK$3,004/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,756/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,691
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,077
−HK$1,407/mo
Today · 4.125%
HK$54,484
baseline
▲ 0.50% · 4.625%
HK$57,356
+HK$2,872/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,968/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,516 · Scale 2, in force from 26 Feb 2026)