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$25,792
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,594
−HK$815/mo
Today · 4.125%
HK$27,409
baseline
▲ 0.50% · 4.625%
HK$29,077
+HK$1,668/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,818/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,693
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,463
−HK$780/mo
Today · 4.125%
HK$30,243
baseline
▲ 0.50% · 4.625%
HK$31,838
+HK$1,595/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,486/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,950
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,913
−HK$978/mo
Today · 4.125%
HK$32,891
baseline
▲ 0.50% · 4.625%
HK$34,893
+HK$2,002/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,782/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,432
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,355
−HK$937/mo
Today · 4.125%
HK$36,292
baseline
▲ 0.50% · 4.625%
HK$38,205
+HK$1,913/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$72,584/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,109
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,232
−HK$1,141/mo
Today · 4.125%
HK$38,373
baseline
▲ 0.50% · 4.625%
HK$40,708
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,746/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,171
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,248
−HK$1,093/mo
Today · 4.125%
HK$42,341
baseline
▲ 0.50% · 4.625%
HK$44,573
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,682/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,425
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,870
−HK$1,467/mo
Today · 4.125%
HK$49,337
baseline
▲ 0.50% · 4.625%
HK$52,339
+HK$3,002/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,674/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,648
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,033
−HK$1,405/mo
Today · 4.125%
HK$54,438
baseline
▲ 0.50% · 4.625%
HK$57,308
+HK$2,870/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,876/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,162 · Scale 2, in force from 26 Feb 2026)