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$25,752
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,553
−HK$814/mo
Today · 4.125%
HK$27,367
baseline
▲ 0.50% · 4.625%
HK$29,032
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,734/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,649
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,417
−HK$780/mo
Today · 4.125%
HK$30,197
baseline
▲ 0.50% · 4.625%
HK$31,788
+HK$1,591/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,394/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,903
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,864
−HK$976/mo
Today · 4.125%
HK$32,840
baseline
▲ 0.50% · 4.625%
HK$34,839
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,680/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,379
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,301
−HK$935/mo
Today · 4.125%
HK$36,236
baseline
▲ 0.50% · 4.625%
HK$38,146
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,472/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,053
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,174
−HK$1,140/mo
Today · 4.125%
HK$38,314
baseline
▲ 0.50% · 4.625%
HK$40,645
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,628/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,109
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,184
−HK$1,091/mo
Today · 4.125%
HK$42,275
baseline
▲ 0.50% · 4.625%
HK$44,504
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,550/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,354
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,796
−HK$1,465/mo
Today · 4.125%
HK$49,261
baseline
▲ 0.50% · 4.625%
HK$52,258
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,522/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,568
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,951
−HK$1,403/mo
Today · 4.125%
HK$54,354
baseline
▲ 0.50% · 4.625%
HK$57,219
+HK$2,865/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,708/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,507 · Scale 2, in force from 26 Feb 2026)