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$25,747
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$814/mo
Today · 4.125%
HK$27,362
baseline
▲ 0.50% · 4.625%
HK$29,027
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,724/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,643
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,412
−HK$779/mo
Today · 4.125%
HK$30,191
baseline
▲ 0.50% · 4.625%
HK$31,782
+HK$1,591/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,382/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,897
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,858
−HK$976/mo
Today · 4.125%
HK$32,834
baseline
▲ 0.50% · 4.625%
HK$34,832
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,668/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,372
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,294
−HK$935/mo
Today · 4.125%
HK$36,229
baseline
▲ 0.50% · 4.625%
HK$38,139
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,458/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,046
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,167
−HK$1,139/mo
Today · 4.125%
HK$38,306
baseline
▲ 0.50% · 4.625%
HK$40,637
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,612/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,101
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,176
−HK$1,091/mo
Today · 4.125%
HK$42,267
baseline
▲ 0.50% · 4.625%
HK$44,495
+HK$2,228/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,534/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,345
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,786
−HK$1,465/mo
Today · 4.125%
HK$49,251
baseline
▲ 0.50% · 4.625%
HK$52,248
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,502/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,558
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,941
−HK$1,403/mo
Today · 4.125%
HK$54,344
baseline
▲ 0.50% · 4.625%
HK$57,208
+HK$2,864/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,688/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,426 · Scale 2, in force from 26 Feb 2026)