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$25,815
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,618
−HK$816/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$29,103
+HK$1,669/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,719
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,489
−HK$781/mo
Today · 4.125%
HK$30,270
baseline
▲ 0.50% · 4.625%
HK$31,866
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,540/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,978
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,941
−HK$979/mo
Today · 4.125%
HK$32,920
baseline
▲ 0.50% · 4.625%
HK$34,923
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,840/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,462
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,387
−HK$937/mo
Today · 4.125%
HK$36,324
baseline
▲ 0.50% · 4.625%
HK$38,239
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,648/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,141
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,265
−HK$1,142/mo
Today · 4.125%
HK$38,407
baseline
▲ 0.50% · 4.625%
HK$40,744
+HK$2,337/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$76,814/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,206
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,284
−HK$1,094/mo
Today · 4.125%
HK$42,378
baseline
▲ 0.50% · 4.625%
HK$44,612
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.92M · min. income ≈ HK$84,756/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,466
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,912
−HK$1,468/mo
Today · 4.125%
HK$49,380
baseline
▲ 0.50% · 4.625%
HK$52,385
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,760/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,693
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,080
−HK$1,406/mo
Today · 4.125%
HK$54,486
baseline
▲ 0.50% · 4.625%
HK$57,358
+HK$2,872/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$108,972/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,537 · Scale 2, in force from 26 Feb 2026)