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$25,785
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,587
−HK$815/mo
Today · 4.125%
HK$27,402
baseline
▲ 0.50% · 4.625%
HK$29,070
+HK$1,668/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,804/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,686
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,455
−HK$781/mo
Today · 4.125%
HK$30,236
baseline
▲ 0.50% · 4.625%
HK$31,829
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,472/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,942
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,905
−HK$978/mo
Today · 4.125%
HK$32,883
baseline
▲ 0.50% · 4.625%
HK$34,884
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,766/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,423
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,346
−HK$937/mo
Today · 4.125%
HK$36,283
baseline
▲ 0.50% · 4.625%
HK$38,195
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,566/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,099
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,222
−HK$1,141/mo
Today · 4.125%
HK$38,363
baseline
▲ 0.50% · 4.625%
HK$40,697
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,726/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,160
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,237
−HK$1,093/mo
Today · 4.125%
HK$42,330
baseline
▲ 0.50% · 4.625%
HK$44,561
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,660/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,414
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,857
−HK$1,467/mo
Today · 4.125%
HK$49,324
baseline
▲ 0.50% · 4.625%
HK$52,325
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,648/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,635
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,019
−HK$1,405/mo
Today · 4.125%
HK$54,424
baseline
▲ 0.50% · 4.625%
HK$57,293
+HK$2,869/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,848/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,053 · Scale 2, in force from 26 Feb 2026)