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$25,758
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,559
−HK$814/mo
Today · 4.125%
HK$27,373
baseline
▲ 0.50% · 4.625%
HK$29,039
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,746/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,656
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,424
−HK$780/mo
Today · 4.125%
HK$30,204
baseline
▲ 0.50% · 4.625%
HK$31,796
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,408/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,910
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,871
−HK$977/mo
Today · 4.125%
HK$32,848
baseline
▲ 0.50% · 4.625%
HK$34,847
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,696/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,387
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,309
−HK$936/mo
Today · 4.125%
HK$36,245
baseline
▲ 0.50% · 4.625%
HK$38,155
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,490/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,061
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,183
−HK$1,140/mo
Today · 4.125%
HK$38,323
baseline
▲ 0.50% · 4.625%
HK$40,655
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,646/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,118
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,194
−HK$1,091/mo
Today · 4.125%
HK$42,285
baseline
▲ 0.50% · 4.625%
HK$44,514
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,570/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,365
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,807
−HK$1,465/mo
Today · 4.125%
HK$49,272
baseline
▲ 0.50% · 4.625%
HK$52,270
+HK$2,998/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,544/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,580
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,963
−HK$1,404/mo
Today · 4.125%
HK$54,367
baseline
▲ 0.50% · 4.625%
HK$57,233
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,734/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,606 · Scale 2, in force from 26 Feb 2026)