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$25,753
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,554
−HK$814/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$29,033
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,650
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,418
−HK$779/mo
Today · 4.125%
HK$30,197
baseline
▲ 0.50% · 4.625%
HK$31,789
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,394/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,903
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,864
−HK$977/mo
Today · 4.125%
HK$32,841
baseline
▲ 0.50% · 4.625%
HK$34,839
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,682/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,379
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,301
−HK$936/mo
Today · 4.125%
HK$36,237
baseline
▲ 0.50% · 4.625%
HK$38,147
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,474/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,054
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,175
−HK$1,140/mo
Today · 4.125%
HK$38,315
baseline
▲ 0.50% · 4.625%
HK$40,646
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,630/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,109
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,185
−HK$1,091/mo
Today · 4.125%
HK$42,276
baseline
▲ 0.50% · 4.625%
HK$44,505
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,552/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,355
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,797
−HK$1,465/mo
Today · 4.125%
HK$49,262
baseline
▲ 0.50% · 4.625%
HK$52,259
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,524/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,569
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,952
−HK$1,403/mo
Today · 4.125%
HK$54,355
baseline
▲ 0.50% · 4.625%
HK$57,220
+HK$2,865/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,710/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,515 · Scale 2, in force from 26 Feb 2026)