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$25,757
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,558
−HK$814/mo
Today · 4.125%
HK$27,372
baseline
▲ 0.50% · 4.625%
HK$29,038
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,744/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,655
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,423
−HK$780/mo
Today · 4.125%
HK$30,203
baseline
▲ 0.50% · 4.625%
HK$31,795
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,406/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,909
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,870
−HK$977/mo
Today · 4.125%
HK$32,847
baseline
▲ 0.50% · 4.625%
HK$34,846
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,694/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,386
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,308
−HK$935/mo
Today · 4.125%
HK$36,243
baseline
▲ 0.50% · 4.625%
HK$38,154
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,486/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,060
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,182
−HK$1,139/mo
Today · 4.125%
HK$38,321
baseline
▲ 0.50% · 4.625%
HK$40,653
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,642/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,117
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,192
−HK$1,092/mo
Today · 4.125%
HK$42,284
baseline
▲ 0.50% · 4.625%
HK$44,513
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,568/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,363
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,805
−HK$1,465/mo
Today · 4.125%
HK$49,270
baseline
▲ 0.50% · 4.625%
HK$52,268
+HK$2,998/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,540/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,578
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,962
−HK$1,403/mo
Today · 4.125%
HK$54,365
baseline
▲ 0.50% · 4.625%
HK$57,231
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,730/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,592 · Scale 2, in force from 26 Feb 2026)