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$25,797
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,599
−HK$815/mo
Today · 4.125%
HK$27,414
baseline
▲ 0.50% · 4.625%
HK$29,082
+HK$1,668/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,828/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,699
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,468
−HK$781/mo
Today · 4.125%
HK$30,249
baseline
▲ 0.50% · 4.625%
HK$31,844
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,498/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,956
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,919
−HK$978/mo
Today · 4.125%
HK$32,897
baseline
▲ 0.50% · 4.625%
HK$34,899
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,794/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,438
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,362
−HK$937/mo
Today · 4.125%
HK$36,299
baseline
▲ 0.50% · 4.625%
HK$38,212
+HK$1,913/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,598/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,115
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,239
−HK$1,141/mo
Today · 4.125%
HK$38,380
baseline
▲ 0.50% · 4.625%
HK$40,715
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,760/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,178
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,256
−HK$1,093/mo
Today · 4.125%
HK$42,349
baseline
▲ 0.50% · 4.625%
HK$44,581
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,698/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,434
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,878
−HK$1,468/mo
Today · 4.125%
HK$49,346
baseline
▲ 0.50% · 4.625%
HK$52,348
+HK$3,002/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,692/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,657
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,043
−HK$1,405/mo
Today · 4.125%
HK$54,448
baseline
▲ 0.50% · 4.625%
HK$57,318
+HK$2,870/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,896/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,240 · Scale 2, in force from 26 Feb 2026)