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$25,762
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,564
−HK$814/mo
Today · 4.125%
HK$27,378
baseline
▲ 0.50% · 4.625%
HK$29,044
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,756/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,660
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,429
−HK$780/mo
Today · 4.125%
HK$30,209
baseline
▲ 0.50% · 4.625%
HK$31,801
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,418/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,915
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,876
−HK$977/mo
Today · 4.125%
HK$32,853
baseline
▲ 0.50% · 4.625%
HK$34,852
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,706/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,392
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,315
−HK$935/mo
Today · 4.125%
HK$36,250
baseline
▲ 0.50% · 4.625%
HK$38,161
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,500/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,067
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,189
−HK$1,140/mo
Today · 4.125%
HK$38,329
baseline
▲ 0.50% · 4.625%
HK$40,661
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,658/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,124
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,200
−HK$1,092/mo
Today · 4.125%
HK$42,292
baseline
▲ 0.50% · 4.625%
HK$44,521
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,584/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,372
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,814
−HK$1,466/mo
Today · 4.125%
HK$49,280
baseline
▲ 0.50% · 4.625%
HK$52,279
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,560/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,588
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,972
−HK$1,404/mo
Today · 4.125%
HK$54,376
baseline
▲ 0.50% · 4.625%
HK$57,242
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,752/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,674 · Scale 2, in force from 26 Feb 2026)