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$25,749
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,550
−HK$814/mo
Today · 4.125%
HK$27,364
baseline
▲ 0.50% · 4.625%
HK$29,029
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,728/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,646
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,414
−HK$780/mo
Today · 4.125%
HK$30,194
baseline
▲ 0.50% · 4.625%
HK$31,785
+HK$1,591/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,388/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,899
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,861
−HK$976/mo
Today · 4.125%
HK$32,837
baseline
▲ 0.50% · 4.625%
HK$34,835
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,674/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,375
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,297
−HK$935/mo
Today · 4.125%
HK$36,232
baseline
▲ 0.50% · 4.625%
HK$38,142
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,464/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,049
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,171
−HK$1,139/mo
Today · 4.125%
HK$38,310
baseline
▲ 0.50% · 4.625%
HK$40,641
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,620/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,104
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,180
−HK$1,091/mo
Today · 4.125%
HK$42,271
baseline
▲ 0.50% · 4.625%
HK$44,499
+HK$2,228/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,542/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,349
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,791
−HK$1,465/mo
Today · 4.125%
HK$49,256
baseline
▲ 0.50% · 4.625%
HK$52,253
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,512/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,563
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,946
−HK$1,403/mo
Today · 4.125%
HK$54,349
baseline
▲ 0.50% · 4.625%
HK$57,213
+HK$2,864/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,698/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,464 · Scale 2, in force from 26 Feb 2026)