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$25,776
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,578
−HK$814/mo
Today · 4.125%
HK$27,392
baseline
▲ 0.50% · 4.625%
HK$29,059
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,784/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,675
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,444
−HK$780/mo
Today · 4.125%
HK$30,224
baseline
▲ 0.50% · 4.625%
HK$31,818
+HK$1,594/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,448/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,931
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,893
−HK$978/mo
Today · 4.125%
HK$32,871
baseline
▲ 0.50% · 4.625%
HK$34,871
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,742/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,410
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,333
−HK$936/mo
Today · 4.125%
HK$36,269
baseline
▲ 0.50% · 4.625%
HK$38,181
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,538/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,086
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,209
−HK$1,140/mo
Today · 4.125%
HK$38,349
baseline
▲ 0.50% · 4.625%
HK$40,682
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,698/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,145
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,222
−HK$1,092/mo
Today · 4.125%
HK$42,314
baseline
▲ 0.50% · 4.625%
HK$44,545
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,628/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,396
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,840
−HK$1,466/mo
Today · 4.125%
HK$49,306
baseline
▲ 0.50% · 4.625%
HK$52,306
+HK$3,000/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,612/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,615
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,000
−HK$1,404/mo
Today · 4.125%
HK$54,404
baseline
▲ 0.50% · 4.625%
HK$57,272
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,808/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,896 · Scale 2, in force from 26 Feb 2026)