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$25,764
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,566
−HK$814/mo
Today · 4.125%
HK$27,380
baseline
▲ 0.50% · 4.625%
HK$29,046
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,760/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,663
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,431
−HK$780/mo
Today · 4.125%
HK$30,211
baseline
▲ 0.50% · 4.625%
HK$31,804
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,422/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,917
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,879
−HK$977/mo
Today · 4.125%
HK$32,856
baseline
▲ 0.50% · 4.625%
HK$34,855
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,712/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,395
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,318
−HK$935/mo
Today · 4.125%
HK$36,253
baseline
▲ 0.50% · 4.625%
HK$38,164
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,506/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,070
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,192
−HK$1,140/mo
Today · 4.125%
HK$38,332
baseline
▲ 0.50% · 4.625%
HK$40,665
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,664/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,128
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,204
−HK$1,092/mo
Today · 4.125%
HK$42,296
baseline
▲ 0.50% · 4.625%
HK$44,525
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,592/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,376
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,819
−HK$1,465/mo
Today · 4.125%
HK$49,284
baseline
▲ 0.50% · 4.625%
HK$52,283
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,568/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,593
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,977
−HK$1,403/mo
Today · 4.125%
HK$54,380
baseline
▲ 0.50% · 4.625%
HK$57,247
+HK$2,867/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,760/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,710 · Scale 2, in force from 26 Feb 2026)