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$25,804
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,607
−HK$815/mo
Today · 4.125%
HK$27,422
baseline
▲ 0.50% · 4.625%
HK$29,091
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,844/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,707
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,477
−HK$781/mo
Today · 4.125%
HK$30,258
baseline
▲ 0.50% · 4.625%
HK$31,853
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,516/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,965
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,928
−HK$979/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,909
+HK$2,002/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,448
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,372
−HK$937/mo
Today · 4.125%
HK$36,309
baseline
▲ 0.50% · 4.625%
HK$38,223
+HK$1,914/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,618/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,126
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,249
−HK$1,142/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,727
+HK$2,336/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,782/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,189
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,267
−HK$1,094/mo
Today · 4.125%
HK$42,361
baseline
▲ 0.50% · 4.625%
HK$44,594
+HK$2,233/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,722/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,447
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,892
−HK$1,468/mo
Today · 4.125%
HK$49,360
baseline
▲ 0.50% · 4.625%
HK$52,363
+HK$3,003/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,720/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,672
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,058
−HK$1,406/mo
Today · 4.125%
HK$54,464
baseline
▲ 0.50% · 4.625%
HK$57,335
+HK$2,871/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,928/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,361 · Scale 2, in force from 26 Feb 2026)