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$25,820
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,623
−HK$816/mo
Today · 4.125%
HK$27,439
baseline
▲ 0.50% · 4.625%
HK$29,109
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,878/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,725
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,495
−HK$782/mo
Today · 4.125%
HK$30,277
baseline
▲ 0.50% · 4.625%
HK$31,873
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,554/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,984
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,948
−HK$979/mo
Today · 4.125%
HK$32,927
baseline
▲ 0.50% · 4.625%
HK$34,931
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,854/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,470
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,394
−HK$938/mo
Today · 4.125%
HK$36,332
baseline
▲ 0.50% · 4.625%
HK$38,247
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,664/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,148
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,273
−HK$1,142/mo
Today · 4.125%
HK$38,415
baseline
▲ 0.50% · 4.625%
HK$40,753
+HK$2,338/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,830/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,215
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,293
−HK$1,094/mo
Today · 4.125%
HK$42,387
baseline
▲ 0.50% · 4.625%
HK$44,622
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,774/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,476
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,922
−HK$1,469/mo
Today · 4.125%
HK$49,391
baseline
▲ 0.50% · 4.625%
HK$52,396
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,782/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,705
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,091
−HK$1,407/mo
Today · 4.125%
HK$54,498
baseline
▲ 0.50% · 4.625%
HK$57,371
+HK$2,873/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,996/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,628 · Scale 2, in force from 26 Feb 2026)