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$25,783
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,585
−HK$815/mo
Today · 4.125%
HK$27,400
baseline
▲ 0.50% · 4.625%
HK$29,067
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,800/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,684
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,453
−HK$780/mo
Today · 4.125%
HK$30,233
baseline
▲ 0.50% · 4.625%
HK$31,827
+HK$1,594/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,466/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,940
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,903
−HK$977/mo
Today · 4.125%
HK$32,880
baseline
▲ 0.50% · 4.625%
HK$34,881
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,760/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,421
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,344
−HK$936/mo
Today · 4.125%
HK$36,280
baseline
▲ 0.50% · 4.625%
HK$38,193
+HK$1,913/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,560/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,097
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,220
−HK$1,140/mo
Today · 4.125%
HK$38,360
baseline
▲ 0.50% · 4.625%
HK$40,694
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,720/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,157
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,234
−HK$1,093/mo
Today · 4.125%
HK$42,327
baseline
▲ 0.50% · 4.625%
HK$44,558
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,654/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,410
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,854
−HK$1,466/mo
Today · 4.125%
HK$49,320
baseline
▲ 0.50% · 4.625%
HK$52,321
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,640/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,631
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,016
−HK$1,404/mo
Today · 4.125%
HK$54,420
baseline
▲ 0.50% · 4.625%
HK$57,289
+HK$2,869/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,840/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,022 · Scale 2, in force from 26 Feb 2026)