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$25,746
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,547
−HK$814/mo
Today · 4.125%
HK$27,361
baseline
▲ 0.50% · 4.625%
HK$29,026
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,722/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,643
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$779/mo
Today · 4.125%
HK$30,190
baseline
▲ 0.50% · 4.625%
HK$31,782
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,380/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,896
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,857
−HK$976/mo
Today · 4.125%
HK$32,833
baseline
▲ 0.50% · 4.625%
HK$34,831
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,666/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,371
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,293
−HK$935/mo
Today · 4.125%
HK$36,228
baseline
▲ 0.50% · 4.625%
HK$38,138
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,456/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,045
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,166
−HK$1,139/mo
Today · 4.125%
HK$38,305
baseline
▲ 0.50% · 4.625%
HK$40,636
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,610/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,100
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,175
−HK$1,091/mo
Today · 4.125%
HK$42,266
baseline
▲ 0.50% · 4.625%
HK$44,494
+HK$2,228/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,532/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,344
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,785
−HK$1,465/mo
Today · 4.125%
HK$49,250
baseline
▲ 0.50% · 4.625%
HK$52,247
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,500/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,557
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,940
−HK$1,402/mo
Today · 4.125%
HK$54,342
baseline
▲ 0.50% · 4.625%
HK$57,207
+HK$2,865/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,684/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,414 · Scale 2, in force from 26 Feb 2026)