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$25,760
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,561
−HK$814/mo
Today · 4.125%
HK$27,375
baseline
▲ 0.50% · 4.625%
HK$29,041
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,750/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,658
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,426
−HK$780/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$31,798
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,912
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,874
−HK$977/mo
Today · 4.125%
HK$32,851
baseline
▲ 0.50% · 4.625%
HK$34,849
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,702/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,389
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,312
−HK$935/mo
Today · 4.125%
HK$36,247
baseline
▲ 0.50% · 4.625%
HK$38,158
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,494/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,064
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,186
−HK$1,140/mo
Today · 4.125%
HK$38,326
baseline
▲ 0.50% · 4.625%
HK$40,658
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,652/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,121
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,197
−HK$1,092/mo
Today · 4.125%
HK$42,289
baseline
▲ 0.50% · 4.625%
HK$44,518
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,578/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,368
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,810
−HK$1,466/mo
Today · 4.125%
HK$49,276
baseline
▲ 0.50% · 4.625%
HK$52,274
+HK$2,998/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,552/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,584
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,968
−HK$1,403/mo
Today · 4.125%
HK$54,371
baseline
▲ 0.50% · 4.625%
HK$57,237
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,742/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,638 · Scale 2, in force from 26 Feb 2026)