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$1,616/mo
▼ 0.25% · 3.875%
HK$26,558
−HK$814/mo
Today · 4.125%
HK$27,372
baseline
▲ 0.50% · 4.625%
HK$29,037
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,744/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,654
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,422
−HK$780/mo
Today · 4.125%
HK$30,202
baseline
▲ 0.50% · 4.625%
HK$31,794
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,404/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,908
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,869
−HK$977/mo
Today · 4.125%
HK$32,846
baseline
▲ 0.50% · 4.625%
HK$34,844
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,692/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,385
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,307
−HK$935/mo
Today · 4.125%
HK$36,242
baseline
▲ 0.50% · 4.625%
HK$38,153
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,484/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,059
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,181
−HK$1,139/mo
Today · 4.125%
HK$38,320
baseline
▲ 0.50% · 4.625%
HK$40,652
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,640/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,115
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,191
−HK$1,092/mo
Today · 4.125%
HK$42,283
baseline
▲ 0.50% · 4.625%
HK$44,511
+HK$2,228/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,566/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,362
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,804
−HK$1,465/mo
Today · 4.125%
HK$49,269
baseline
▲ 0.50% · 4.625%
HK$52,267
+HK$2,998/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,538/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,577
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,960
−HK$1,403/mo
Today · 4.125%
HK$54,363
baseline
▲ 0.50% · 4.625%
HK$57,229
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,726/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,578 · Scale 2, in force from 26 Feb 2026)