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$25,765
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,566
−HK$815/mo
Today · 4.125%
HK$27,381
baseline
▲ 0.50% · 4.625%
HK$29,047
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,762/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,663
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,432
−HK$780/mo
Today · 4.125%
HK$30,212
baseline
▲ 0.50% · 4.625%
HK$31,804
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,424/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,918
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,880
−HK$977/mo
Today · 4.125%
HK$32,857
baseline
▲ 0.50% · 4.625%
HK$34,856
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,714/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,396
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,318
−HK$936/mo
Today · 4.125%
HK$36,254
baseline
▲ 0.50% · 4.625%
HK$38,165
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,508/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,071
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,193
−HK$1,140/mo
Today · 4.125%
HK$38,333
baseline
▲ 0.50% · 4.625%
HK$40,665
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,666/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,128
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,205
−HK$1,091/mo
Today · 4.125%
HK$42,296
baseline
▲ 0.50% · 4.625%
HK$44,526
+HK$2,230/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,592/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,377
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,819
−HK$1,466/mo
Today · 4.125%
HK$49,285
baseline
▲ 0.50% · 4.625%
HK$52,284
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,570/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,594
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,977
−HK$1,404/mo
Today · 4.125%
HK$54,381
baseline
▲ 0.50% · 4.625%
HK$57,248
+HK$2,867/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,762/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,718 · Scale 2, in force from 26 Feb 2026)