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$25,794
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,596
−HK$815/mo
Today · 4.125%
HK$27,411
baseline
▲ 0.50% · 4.625%
HK$29,079
+HK$1,668/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,822/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,695
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,465
−HK$781/mo
Today · 4.125%
HK$30,246
baseline
▲ 0.50% · 4.625%
HK$31,840
+HK$1,594/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,492/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,953
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,915
−HK$979/mo
Today · 4.125%
HK$32,894
baseline
▲ 0.50% · 4.625%
HK$34,895
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,788/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,434
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,358
−HK$937/mo
Today · 4.125%
HK$36,295
baseline
▲ 0.50% · 4.625%
HK$38,208
+HK$1,913/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$72,590/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,111
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,235
−HK$1,141/mo
Today · 4.125%
HK$38,376
baseline
▲ 0.50% · 4.625%
HK$40,711
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,752/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,174
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,251
−HK$1,093/mo
Today · 4.125%
HK$42,344
baseline
▲ 0.50% · 4.625%
HK$44,576
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,688/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,429
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,873
−HK$1,467/mo
Today · 4.125%
HK$49,340
baseline
▲ 0.50% · 4.625%
HK$52,343
+HK$3,003/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,680/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,652
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,037
−HK$1,405/mo
Today · 4.125%
HK$54,442
baseline
▲ 0.50% · 4.625%
HK$57,312
+HK$2,870/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,884/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,194 · Scale 2, in force from 26 Feb 2026)