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$25,802
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,605
−HK$815/mo
Today · 4.125%
HK$27,420
baseline
▲ 0.50% · 4.625%
HK$29,088
+HK$1,668/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,840/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,704
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,474
−HK$781/mo
Today · 4.125%
HK$30,255
baseline
▲ 0.50% · 4.625%
HK$31,850
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,510/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,962
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,926
−HK$978/mo
Today · 4.125%
HK$32,904
baseline
▲ 0.50% · 4.625%
HK$34,906
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,808/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,445
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,369
−HK$937/mo
Today · 4.125%
HK$36,306
baseline
▲ 0.50% · 4.625%
HK$38,220
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,612/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,123
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,246
−HK$1,142/mo
Today · 4.125%
HK$38,388
baseline
▲ 0.50% · 4.625%
HK$40,724
+HK$2,336/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,776/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,186
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,264
−HK$1,093/mo
Today · 4.125%
HK$42,357
baseline
▲ 0.50% · 4.625%
HK$44,590
+HK$2,233/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,714/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,444
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,888
−HK$1,468/mo
Today · 4.125%
HK$49,356
baseline
▲ 0.50% · 4.625%
HK$52,359
+HK$3,003/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,712/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,668
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,054
−HK$1,406/mo
Today · 4.125%
HK$54,460
baseline
▲ 0.50% · 4.625%
HK$57,330
+HK$2,870/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,920/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,328 · Scale 2, in force from 26 Feb 2026)