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$25,770
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,571
−HK$815/mo
Today · 4.125%
HK$27,386
baseline
▲ 0.50% · 4.625%
HK$29,052
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,772/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,669
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,437
−HK$780/mo
Today · 4.125%
HK$30,217
baseline
▲ 0.50% · 4.625%
HK$31,810
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,434/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,924
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,886
−HK$977/mo
Today · 4.125%
HK$32,863
baseline
▲ 0.50% · 4.625%
HK$34,862
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,726/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,402
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,325
−HK$936/mo
Today · 4.125%
HK$36,261
baseline
▲ 0.50% · 4.625%
HK$38,172
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,522/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,078
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,200
−HK$1,140/mo
Today · 4.125%
HK$38,340
baseline
▲ 0.50% · 4.625%
HK$40,673
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,680/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,136
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,212
−HK$1,092/mo
Today · 4.125%
HK$42,304
baseline
▲ 0.50% · 4.625%
HK$44,534
+HK$2,230/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,608/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,385
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,828
−HK$1,466/mo
Today · 4.125%
HK$49,294
baseline
▲ 0.50% · 4.625%
HK$52,294
+HK$3,000/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,588/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,603
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,987
−HK$1,404/mo
Today · 4.125%
HK$54,391
baseline
▲ 0.50% · 4.625%
HK$57,258
+HK$2,867/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,782/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,796 · Scale 2, in force from 26 Feb 2026)