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$25,782
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,584
−HK$815/mo
Today · 4.125%
HK$27,399
baseline
▲ 0.50% · 4.625%
HK$29,066
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,798/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,682
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,452
−HK$780/mo
Today · 4.125%
HK$30,232
baseline
▲ 0.50% · 4.625%
HK$31,826
+HK$1,594/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,464/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,939
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,901
−HK$978/mo
Today · 4.125%
HK$32,879
baseline
▲ 0.50% · 4.625%
HK$34,879
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,758/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,419
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,342
−HK$936/mo
Today · 4.125%
HK$36,278
baseline
▲ 0.50% · 4.625%
HK$38,191
+HK$1,913/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,556/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,095
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,218
−HK$1,140/mo
Today · 4.125%
HK$38,358
baseline
▲ 0.50% · 4.625%
HK$40,692
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,716/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,155
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,232
−HK$1,093/mo
Today · 4.125%
HK$42,325
baseline
▲ 0.50% · 4.625%
HK$44,556
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,650/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,408
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,851
−HK$1,467/mo
Today · 4.125%
HK$49,318
baseline
▲ 0.50% · 4.625%
HK$52,319
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,636/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,628
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,013
−HK$1,405/mo
Today · 4.125%
HK$54,418
baseline
▲ 0.50% · 4.625%
HK$57,286
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,836/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,001 · Scale 2, in force from 26 Feb 2026)