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$25,756
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,557
−HK$814/mo
Today · 4.125%
HK$27,371
baseline
▲ 0.50% · 4.625%
HK$29,036
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,742/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,653
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,422
−HK$779/mo
Today · 4.125%
HK$30,201
baseline
▲ 0.50% · 4.625%
HK$31,793
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,402/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,907
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,868
−HK$977/mo
Today · 4.125%
HK$32,845
baseline
▲ 0.50% · 4.625%
HK$34,844
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,690/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,384
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,306
−HK$935/mo
Today · 4.125%
HK$36,241
baseline
▲ 0.50% · 4.625%
HK$38,152
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,482/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,058
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,180
−HK$1,139/mo
Today · 4.125%
HK$38,319
baseline
▲ 0.50% · 4.625%
HK$40,651
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,638/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,114
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,190
−HK$1,092/mo
Today · 4.125%
HK$42,282
baseline
▲ 0.50% · 4.625%
HK$44,510
+HK$2,228/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,564/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,361
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,803
−HK$1,465/mo
Today · 4.125%
HK$49,268
baseline
▲ 0.50% · 4.625%
HK$52,266
+HK$2,998/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,536/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,576
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,959
−HK$1,403/mo
Today · 4.125%
HK$54,362
baseline
▲ 0.50% · 4.625%
HK$57,228
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,724/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,570 · Scale 2, in force from 26 Feb 2026)