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$25,748
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,549
−HK$814/mo
Today · 4.125%
HK$27,363
baseline
▲ 0.50% · 4.625%
HK$29,028
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,726/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,644
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$779/mo
Today · 4.125%
HK$30,192
baseline
▲ 0.50% · 4.625%
HK$31,783
+HK$1,591/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,384/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,898
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,859
−HK$976/mo
Today · 4.125%
HK$32,835
baseline
▲ 0.50% · 4.625%
HK$34,833
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,670/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,373
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,295
−HK$935/mo
Today · 4.125%
HK$36,230
baseline
▲ 0.50% · 4.625%
HK$38,140
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,460/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,047
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,168
−HK$1,140/mo
Today · 4.125%
HK$38,308
baseline
▲ 0.50% · 4.625%
HK$40,639
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,616/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,102
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,178
−HK$1,091/mo
Today · 4.125%
HK$42,269
baseline
▲ 0.50% · 4.625%
HK$44,497
+HK$2,228/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,538/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,346
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,788
−HK$1,465/mo
Today · 4.125%
HK$49,253
baseline
▲ 0.50% · 4.625%
HK$52,250
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,506/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,560
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,943
−HK$1,402/mo
Today · 4.125%
HK$54,345
baseline
▲ 0.50% · 4.625%
HK$57,210
+HK$2,865/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,690/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,439 · Scale 2, in force from 26 Feb 2026)