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$25,763
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,565
−HK$814/mo
Today · 4.125%
HK$27,379
baseline
▲ 0.50% · 4.625%
HK$29,045
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,758/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,661
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,430
−HK$780/mo
Today · 4.125%
HK$30,210
baseline
▲ 0.50% · 4.625%
HK$31,802
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,420/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,916
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,878
−HK$977/mo
Today · 4.125%
HK$32,855
baseline
▲ 0.50% · 4.625%
HK$34,854
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,710/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,394
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,316
−HK$936/mo
Today · 4.125%
HK$36,252
baseline
▲ 0.50% · 4.625%
HK$38,163
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,504/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,069
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,191
−HK$1,139/mo
Today · 4.125%
HK$38,330
baseline
▲ 0.50% · 4.625%
HK$40,663
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,660/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,126
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,202
−HK$1,092/mo
Today · 4.125%
HK$42,294
baseline
▲ 0.50% · 4.625%
HK$44,523
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,588/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,374
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,816
−HK$1,466/mo
Today · 4.125%
HK$49,282
baseline
▲ 0.50% · 4.625%
HK$52,281
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,564/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,591
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,974
−HK$1,404/mo
Today · 4.125%
HK$54,378
baseline
▲ 0.50% · 4.625%
HK$57,244
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,756/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,692 · Scale 2, in force from 26 Feb 2026)