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$25,766
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,568
−HK$814/mo
Today · 4.125%
HK$27,382
baseline
▲ 0.50% · 4.625%
HK$29,048
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,764/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,665
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$779/mo
Today · 4.125%
HK$30,213
baseline
▲ 0.50% · 4.625%
HK$31,806
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,426/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,920
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,881
−HK$977/mo
Today · 4.125%
HK$32,858
baseline
▲ 0.50% · 4.625%
HK$34,858
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,716/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,398
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,320
−HK$936/mo
Today · 4.125%
HK$36,256
baseline
▲ 0.50% · 4.625%
HK$38,167
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,512/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,073
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,195
−HK$1,140/mo
Today · 4.125%
HK$38,335
baseline
▲ 0.50% · 4.625%
HK$40,667
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,670/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,131
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,207
−HK$1,092/mo
Today · 4.125%
HK$42,299
baseline
▲ 0.50% · 4.625%
HK$44,528
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,598/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,379
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,822
−HK$1,466/mo
Today · 4.125%
HK$49,288
baseline
▲ 0.50% · 4.625%
HK$52,287
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,576/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,597
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,980
−HK$1,404/mo
Today · 4.125%
HK$54,384
baseline
▲ 0.50% · 4.625%
HK$57,251
+HK$2,867/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,768/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,741 · Scale 2, in force from 26 Feb 2026)