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$25,759
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,560
−HK$814/mo
Today · 4.125%
HK$27,374
baseline
▲ 0.50% · 4.625%
HK$29,040
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,748/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,656
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,425
−HK$780/mo
Today · 4.125%
HK$30,205
baseline
▲ 0.50% · 4.625%
HK$31,797
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,410/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,911
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,872
−HK$977/mo
Today · 4.125%
HK$32,849
baseline
▲ 0.50% · 4.625%
HK$34,848
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,698/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,388
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,310
−HK$936/mo
Today · 4.125%
HK$36,246
baseline
▲ 0.50% · 4.625%
HK$38,156
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,492/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,062
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,184
−HK$1,140/mo
Today · 4.125%
HK$38,324
baseline
▲ 0.50% · 4.625%
HK$40,656
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,648/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,119
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,195
−HK$1,091/mo
Today · 4.125%
HK$42,286
baseline
▲ 0.50% · 4.625%
HK$44,515
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,572/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,366
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,808
−HK$1,465/mo
Today · 4.125%
HK$49,273
baseline
▲ 0.50% · 4.625%
HK$52,272
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,546/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,582
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,965
−HK$1,403/mo
Today · 4.125%
HK$54,368
baseline
▲ 0.50% · 4.625%
HK$57,234
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,736/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,617 · Scale 2, in force from 26 Feb 2026)