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$25,779
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,581
−HK$815/mo
Today · 4.125%
HK$27,396
baseline
▲ 0.50% · 4.625%
HK$29,063
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,792/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$781/mo
Today · 4.125%
HK$30,229
baseline
▲ 0.50% · 4.625%
HK$31,822
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,458/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,935
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,897
−HK$978/mo
Today · 4.125%
HK$32,875
baseline
▲ 0.50% · 4.625%
HK$34,875
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,750/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,415
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,338
−HK$936/mo
Today · 4.125%
HK$36,274
baseline
▲ 0.50% · 4.625%
HK$38,186
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,548/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,091
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,214
−HK$1,140/mo
Today · 4.125%
HK$38,354
baseline
▲ 0.50% · 4.625%
HK$40,688
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,708/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,151
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,228
−HK$1,092/mo
Today · 4.125%
HK$42,320
baseline
▲ 0.50% · 4.625%
HK$44,551
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,640/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,403
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,846
−HK$1,466/mo
Today · 4.125%
HK$49,312
baseline
▲ 0.50% · 4.625%
HK$52,313
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,624/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,622
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,007
−HK$1,404/mo
Today · 4.125%
HK$54,411
baseline
▲ 0.50% · 4.625%
HK$57,280
+HK$2,869/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,822/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,953 · Scale 2, in force from 26 Feb 2026)