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$25,778
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,579
−HK$815/mo
Today · 4.125%
HK$27,394
baseline
▲ 0.50% · 4.625%
HK$29,061
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,788/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,677
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,446
−HK$781/mo
Today · 4.125%
HK$30,227
baseline
▲ 0.50% · 4.625%
HK$31,820
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,454/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,933
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,895
−HK$978/mo
Today · 4.125%
HK$32,873
baseline
▲ 0.50% · 4.625%
HK$34,873
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,746/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,413
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,336
−HK$936/mo
Today · 4.125%
HK$36,272
baseline
▲ 0.50% · 4.625%
HK$38,184
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,544/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,089
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,211
−HK$1,141/mo
Today · 4.125%
HK$38,352
baseline
▲ 0.50% · 4.625%
HK$40,685
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,704/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,148
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,225
−HK$1,092/mo
Today · 4.125%
HK$42,317
baseline
▲ 0.50% · 4.625%
HK$44,548
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,634/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,400
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,843
−HK$1,466/mo
Today · 4.125%
HK$49,309
baseline
▲ 0.50% · 4.625%
HK$52,310
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,618/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,619
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,004
−HK$1,404/mo
Today · 4.125%
HK$54,408
baseline
▲ 0.50% · 4.625%
HK$57,276
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,816/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,926 · Scale 2, in force from 26 Feb 2026)