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$25,748
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,549
−HK$813/mo
Today · 4.125%
HK$27,362
baseline
▲ 0.50% · 4.625%
HK$29,027
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,724/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,644
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,412
−HK$780/mo
Today · 4.125%
HK$30,192
baseline
▲ 0.50% · 4.625%
HK$31,783
+HK$1,591/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,384/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,897
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,858
−HK$977/mo
Today · 4.125%
HK$32,835
baseline
▲ 0.50% · 4.625%
HK$34,833
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,670/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,373
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,295
−HK$935/mo
Today · 4.125%
HK$36,230
baseline
▲ 0.50% · 4.625%
HK$38,140
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,460/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,047
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,168
−HK$1,139/mo
Today · 4.125%
HK$38,307
baseline
▲ 0.50% · 4.625%
HK$40,638
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,614/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,102
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,177
−HK$1,091/mo
Today · 4.125%
HK$42,268
baseline
▲ 0.50% · 4.625%
HK$44,496
+HK$2,228/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,536/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,346
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,788
−HK$1,464/mo
Today · 4.125%
HK$49,252
baseline
▲ 0.50% · 4.625%
HK$52,249
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,504/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,559
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,942
−HK$1,403/mo
Today · 4.125%
HK$54,345
baseline
▲ 0.50% · 4.625%
HK$57,210
+HK$2,865/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,690/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,435 · Scale 2, in force from 26 Feb 2026)