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$25,761
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,562
−HK$814/mo
Today · 4.125%
HK$27,376
baseline
▲ 0.50% · 4.625%
HK$29,042
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,752/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,659
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,427
−HK$780/mo
Today · 4.125%
HK$30,207
baseline
▲ 0.50% · 4.625%
HK$31,799
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,414/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,913
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,875
−HK$977/mo
Today · 4.125%
HK$32,852
baseline
▲ 0.50% · 4.625%
HK$34,850
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,704/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,390
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,313
−HK$935/mo
Today · 4.125%
HK$36,248
baseline
▲ 0.50% · 4.625%
HK$38,159
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,496/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,065
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,187
−HK$1,140/mo
Today · 4.125%
HK$38,327
baseline
▲ 0.50% · 4.625%
HK$40,659
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,654/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,122
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,198
−HK$1,092/mo
Today · 4.125%
HK$42,290
baseline
▲ 0.50% · 4.625%
HK$44,519
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,580/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,370
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,812
−HK$1,465/mo
Today · 4.125%
HK$49,277
baseline
▲ 0.50% · 4.625%
HK$52,276
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,554/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,586
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,969
−HK$1,404/mo
Today · 4.125%
HK$54,373
baseline
▲ 0.50% · 4.625%
HK$57,239
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,746/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,651 · Scale 2, in force from 26 Feb 2026)