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$25,799
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,602
−HK$815/mo
Today · 4.125%
HK$27,417
baseline
▲ 0.50% · 4.625%
HK$29,086
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,834/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,702
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,471
−HK$781/mo
Today · 4.125%
HK$30,252
baseline
▲ 0.50% · 4.625%
HK$31,847
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,504/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,959
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,922
−HK$979/mo
Today · 4.125%
HK$32,901
baseline
▲ 0.50% · 4.625%
HK$34,903
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,802/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,366
−HK$937/mo
Today · 4.125%
HK$36,303
baseline
▲ 0.50% · 4.625%
HK$38,216
+HK$1,913/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,606/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,119
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,243
−HK$1,141/mo
Today · 4.125%
HK$38,384
baseline
▲ 0.50% · 4.625%
HK$40,720
+HK$2,336/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,768/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,182
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,260
−HK$1,093/mo
Today · 4.125%
HK$42,353
baseline
▲ 0.50% · 4.625%
HK$44,586
+HK$2,233/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,706/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,439
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,884
−HK$1,467/mo
Today · 4.125%
HK$49,351
baseline
▲ 0.50% · 4.625%
HK$52,354
+HK$3,003/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,702/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,663
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,049
−HK$1,405/mo
Today · 4.125%
HK$54,454
baseline
▲ 0.50% · 4.625%
HK$57,325
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,908/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,286 · Scale 2, in force from 26 Feb 2026)