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$25,793
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$816/mo
Today · 4.125%
HK$27,411
baseline
▲ 0.50% · 4.625%
HK$29,078
+HK$1,667/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$424,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,695
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,464
−HK$781/mo
Today · 4.125%
HK$30,245
baseline
▲ 0.50% · 4.625%
HK$31,839
+HK$1,594/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,490/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,952
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,914
−HK$979/mo
Today · 4.125%
HK$32,893
baseline
▲ 0.50% · 4.625%
HK$34,894
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,786/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,433
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,357
−HK$937/mo
Today · 4.125%
HK$36,294
baseline
▲ 0.50% · 4.625%
HK$38,207
+HK$1,913/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$72,588/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,110
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,234
−HK$1,141/mo
Today · 4.125%
HK$38,375
baseline
▲ 0.50% · 4.625%
HK$40,710
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,750/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,172
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,250
−HK$1,093/mo
Today · 4.125%
HK$42,343
baseline
▲ 0.50% · 4.625%
HK$44,575
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,686/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,428
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,872
−HK$1,467/mo
Today · 4.125%
HK$49,339
baseline
▲ 0.50% · 4.625%
HK$52,341
+HK$3,002/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,678/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,650
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,035
−HK$1,406/mo
Today · 4.125%
HK$54,441
baseline
▲ 0.50% · 4.625%
HK$57,310
+HK$2,869/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,882/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,181 · Scale 2, in force from 26 Feb 2026)