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$29,106
+HK$1,670/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$424,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,721
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,492
−HK$781/mo
Today · 4.125%
HK$30,273
baseline
▲ 0.50% · 4.625%
HK$31,869
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,546/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,981
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,944
−HK$979/mo
Today · 4.125%
HK$32,923
baseline
▲ 0.50% · 4.625%
HK$34,927
+HK$2,004/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$424,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,466
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,390
−HK$938/mo
Today · 4.125%
HK$36,328
baseline
▲ 0.50% · 4.625%
HK$38,242
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,656/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,144
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,268
−HK$1,143/mo
Today · 4.125%
HK$38,411
baseline
▲ 0.50% · 4.625%
HK$40,748
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,822/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,210
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,288
−HK$1,094/mo
Today · 4.125%
HK$42,382
baseline
▲ 0.50% · 4.625%
HK$44,616
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,764/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,471
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,916
−HK$1,469/mo
Today · 4.125%
HK$49,385
baseline
▲ 0.50% · 4.625%
HK$52,390
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,770/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,698
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,085
−HK$1,406/mo
Today · 4.125%
HK$54,491
baseline
▲ 0.50% · 4.625%
HK$57,364
+HK$2,873/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,982/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,577 · Scale 2, in force from 26 Feb 2026)