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$25,774
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,575
−HK$815/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$29,057
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,673
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,442
−HK$780/mo
Today · 4.125%
HK$30,222
baseline
▲ 0.50% · 4.625%
HK$31,815
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,444/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,929
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,891
−HK$977/mo
Today · 4.125%
HK$32,868
baseline
▲ 0.50% · 4.625%
HK$34,868
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,736/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,408
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,330
−HK$937/mo
Today · 4.125%
HK$36,267
baseline
▲ 0.50% · 4.625%
HK$38,178
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,534/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,083
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,206
−HK$1,140/mo
Today · 4.125%
HK$38,346
baseline
▲ 0.50% · 4.625%
HK$40,679
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,692/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,142
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,219
−HK$1,092/mo
Today · 4.125%
HK$42,311
baseline
▲ 0.50% · 4.625%
HK$44,541
+HK$2,230/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,622/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,393
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,836
−HK$1,466/mo
Today · 4.125%
HK$49,302
baseline
▲ 0.50% · 4.625%
HK$52,302
+HK$3,000/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,604/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,612
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,996
−HK$1,404/mo
Today · 4.125%
HK$54,400
baseline
▲ 0.50% · 4.625%
HK$57,267
+HK$2,867/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,800/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,864 · Scale 2, in force from 26 Feb 2026)