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$25,776
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,578
−HK$815/mo
Today · 4.125%
HK$27,393
baseline
▲ 0.50% · 4.625%
HK$29,059
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,786/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,676
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,445
−HK$780/mo
Today · 4.125%
HK$30,225
baseline
▲ 0.50% · 4.625%
HK$31,818
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,450/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,932
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,894
−HK$977/mo
Today · 4.125%
HK$32,871
baseline
▲ 0.50% · 4.625%
HK$34,871
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,742/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,411
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,334
−HK$936/mo
Today · 4.125%
HK$36,270
baseline
▲ 0.50% · 4.625%
HK$38,182
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,540/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,087
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,209
−HK$1,141/mo
Today · 4.125%
HK$38,350
baseline
▲ 0.50% · 4.625%
HK$40,683
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,700/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,146
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,223
−HK$1,092/mo
Today · 4.125%
HK$42,315
baseline
▲ 0.50% · 4.625%
HK$44,546
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,630/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,397
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,841
−HK$1,466/mo
Today · 4.125%
HK$49,307
baseline
▲ 0.50% · 4.625%
HK$52,307
+HK$3,000/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,614/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,617
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$53,001
−HK$1,404/mo
Today · 4.125%
HK$54,405
baseline
▲ 0.50% · 4.625%
HK$57,273
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,810/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,905 · Scale 2, in force from 26 Feb 2026)