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$25,789
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,592
−HK$815/mo
Today · 4.125%
HK$27,407
baseline
▲ 0.50% · 4.625%
HK$29,074
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,814/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,690
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,460
−HK$780/mo
Today · 4.125%
HK$30,240
baseline
▲ 0.50% · 4.625%
HK$31,835
+HK$1,595/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,480/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,947
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,910
−HK$978/mo
Today · 4.125%
HK$32,888
baseline
▲ 0.50% · 4.625%
HK$34,889
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,776/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,429
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,352
−HK$937/mo
Today · 4.125%
HK$36,289
baseline
▲ 0.50% · 4.625%
HK$38,201
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$72,578/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,105
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,228
−HK$1,141/mo
Today · 4.125%
HK$38,369
baseline
▲ 0.50% · 4.625%
HK$40,704
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,738/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,167
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,244
−HK$1,093/mo
Today · 4.125%
HK$42,337
baseline
▲ 0.50% · 4.625%
HK$44,568
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,674/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,421
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,865
−HK$1,467/mo
Today · 4.125%
HK$49,332
baseline
▲ 0.50% · 4.625%
HK$52,334
+HK$3,002/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,664/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,643
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,028
−HK$1,405/mo
Today · 4.125%
HK$54,433
baseline
▲ 0.50% · 4.625%
HK$57,302
+HK$2,869/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,866/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,120 · Scale 2, in force from 26 Feb 2026)