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$25,837
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,641
−HK$816/mo
Today · 4.125%
HK$27,457
baseline
▲ 0.50% · 4.625%
HK$29,128
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,914/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,743
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,514
−HK$782/mo
Today · 4.125%
HK$30,296
baseline
▲ 0.50% · 4.625%
HK$31,893
+HK$1,597/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,592/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,004
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,969
−HK$980/mo
Today · 4.125%
HK$32,949
baseline
▲ 0.50% · 4.625%
HK$34,953
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,898/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,492
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,417
−HK$938/mo
Today · 4.125%
HK$36,355
baseline
▲ 0.50% · 4.625%
HK$38,272
+HK$1,917/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,710/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,172
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,297
−HK$1,143/mo
Today · 4.125%
HK$38,440
baseline
▲ 0.50% · 4.625%
HK$40,779
+HK$2,339/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,880/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,241
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,320
−HK$1,095/mo
Today · 4.125%
HK$42,415
baseline
▲ 0.50% · 4.625%
HK$44,650
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,830/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,506
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,953
−HK$1,470/mo
Today · 4.125%
HK$49,423
baseline
▲ 0.50% · 4.625%
HK$52,430
+HK$3,007/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,846/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,738
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,126
−HK$1,407/mo
Today · 4.125%
HK$54,533
baseline
▲ 0.50% · 4.625%
HK$57,408
+HK$2,875/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,066/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,902 · Scale 2, in force from 26 Feb 2026)