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$25,819
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,622
−HK$816/mo
Today · 4.125%
HK$27,438
baseline
▲ 0.50% · 4.625%
HK$29,107
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,876/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,723
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,493
−HK$782/mo
Today · 4.125%
HK$30,275
baseline
▲ 0.50% · 4.625%
HK$31,871
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,550/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,982
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,946
−HK$979/mo
Today · 4.125%
HK$32,925
baseline
▲ 0.50% · 4.625%
HK$34,929
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,850/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,467
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,392
−HK$938/mo
Today · 4.125%
HK$36,330
baseline
▲ 0.50% · 4.625%
HK$38,245
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,660/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,146
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,270
−HK$1,143/mo
Today · 4.125%
HK$38,413
baseline
▲ 0.50% · 4.625%
HK$40,750
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,826/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,212
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,291
−HK$1,094/mo
Today · 4.125%
HK$42,385
baseline
▲ 0.50% · 4.625%
HK$44,619
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,770/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,473
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,919
−HK$1,469/mo
Today · 4.125%
HK$49,388
baseline
▲ 0.50% · 4.625%
HK$52,393
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,776/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,701
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,088
−HK$1,406/mo
Today · 4.125%
HK$54,494
baseline
▲ 0.50% · 4.625%
HK$57,367
+HK$2,873/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,988/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,600 · Scale 2, in force from 26 Feb 2026)