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$25,808
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,611
−HK$816/mo
Today · 4.125%
HK$27,427
baseline
▲ 0.50% · 4.625%
HK$29,095
+HK$1,668/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,854/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,711
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,481
−HK$782/mo
Today · 4.125%
HK$30,263
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,526/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,970
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,933
−HK$979/mo
Today · 4.125%
HK$32,912
baseline
▲ 0.50% · 4.625%
HK$34,915
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,824/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,454
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,378
−HK$937/mo
Today · 4.125%
HK$36,315
baseline
▲ 0.50% · 4.625%
HK$38,229
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,630/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,132
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,255
−HK$1,142/mo
Today · 4.125%
HK$38,397
baseline
▲ 0.50% · 4.625%
HK$40,734
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,794/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,196
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,274
−HK$1,094/mo
Today · 4.125%
HK$42,368
baseline
▲ 0.50% · 4.625%
HK$44,601
+HK$2,233/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,736/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,455
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,900
−HK$1,468/mo
Today · 4.125%
HK$49,368
baseline
▲ 0.50% · 4.625%
HK$52,372
+HK$3,004/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,736/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,680
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,067
−HK$1,406/mo
Today · 4.125%
HK$54,473
baseline
▲ 0.50% · 4.625%
HK$57,344
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,946/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,430 · Scale 2, in force from 26 Feb 2026)