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$25,755
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,557
−HK$813/mo
Today · 4.125%
HK$27,370
baseline
▲ 0.50% · 4.625%
HK$29,036
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,740/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,653
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,421
−HK$780/mo
Today · 4.125%
HK$30,201
baseline
▲ 0.50% · 4.625%
HK$31,793
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,402/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,906
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,868
−HK$977/mo
Today · 4.125%
HK$32,845
baseline
▲ 0.50% · 4.625%
HK$34,843
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,690/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,383
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,305
−HK$936/mo
Today · 4.125%
HK$36,241
baseline
▲ 0.50% · 4.625%
HK$38,151
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,482/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,058
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,179
−HK$1,140/mo
Today · 4.125%
HK$38,319
baseline
▲ 0.50% · 4.625%
HK$40,650
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,638/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,114
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,189
−HK$1,092/mo
Today · 4.125%
HK$42,281
baseline
▲ 0.50% · 4.625%
HK$44,510
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,562/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,360
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,802
−HK$1,465/mo
Today · 4.125%
HK$49,267
baseline
▲ 0.50% · 4.625%
HK$52,265
+HK$2,998/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,534/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,575
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,958
−HK$1,403/mo
Today · 4.125%
HK$54,361
baseline
▲ 0.50% · 4.625%
HK$57,227
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,722/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,561 · Scale 2, in force from 26 Feb 2026)