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$25,785
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,587
−HK$815/mo
Today · 4.125%
HK$27,402
baseline
▲ 0.50% · 4.625%
HK$29,069
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,804/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,685
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,454
−HK$781/mo
Today · 4.125%
HK$30,235
baseline
▲ 0.50% · 4.625%
HK$31,829
+HK$1,594/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,470/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,942
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,904
−HK$978/mo
Today · 4.125%
HK$32,882
baseline
▲ 0.50% · 4.625%
HK$34,883
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,764/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,422
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,345
−HK$937/mo
Today · 4.125%
HK$36,282
baseline
▲ 0.50% · 4.625%
HK$38,194
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,564/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,098
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,221
−HK$1,141/mo
Today · 4.125%
HK$38,362
baseline
▲ 0.50% · 4.625%
HK$40,696
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,724/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,159
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,236
−HK$1,093/mo
Today · 4.125%
HK$42,329
baseline
▲ 0.50% · 4.625%
HK$44,560
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,658/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,412
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,856
−HK$1,467/mo
Today · 4.125%
HK$49,323
baseline
▲ 0.50% · 4.625%
HK$52,324
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,646/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,633
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,018
−HK$1,405/mo
Today · 4.125%
HK$54,423
baseline
▲ 0.50% · 4.625%
HK$57,291
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,846/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,041 · Scale 2, in force from 26 Feb 2026)