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$1,616/mo
▼ 0.25% · 3.875%
HK$26,581
−HK$814/mo
Today · 4.125%
HK$27,395
baseline
▲ 0.50% · 4.625%
HK$29,062
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,790/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$780/mo
Today · 4.125%
HK$30,228
baseline
▲ 0.50% · 4.625%
HK$31,821
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,456/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,934
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,897
−HK$977/mo
Today · 4.125%
HK$32,874
baseline
▲ 0.50% · 4.625%
HK$34,875
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,748/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,414
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,337
−HK$937/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$423,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,090
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,213
−HK$1,140/mo
Today · 4.125%
HK$38,353
baseline
▲ 0.50% · 4.625%
HK$40,687
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,706/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,150
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,227
−HK$1,092/mo
Today · 4.125%
HK$42,319
baseline
▲ 0.50% · 4.625%
HK$44,550
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,638/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,402
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,845
−HK$1,466/mo
Today · 4.125%
HK$49,311
baseline
▲ 0.50% · 4.625%
HK$52,312
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,622/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,621
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,006
−HK$1,404/mo
Today · 4.125%
HK$54,410
baseline
▲ 0.50% · 4.625%
HK$57,278
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,820/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,944 · Scale 2, in force from 26 Feb 2026)