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$25,767
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,568
−HK$815/mo
Today · 4.125%
HK$27,383
baseline
▲ 0.50% · 4.625%
HK$29,049
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,766/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,665
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$780/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$31,807
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,920
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,882
−HK$977/mo
Today · 4.125%
HK$32,859
baseline
▲ 0.50% · 4.625%
HK$34,859
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,718/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,398
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,321
−HK$936/mo
Today · 4.125%
HK$36,257
baseline
▲ 0.50% · 4.625%
HK$38,168
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,514/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,074
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,196
−HK$1,140/mo
Today · 4.125%
HK$38,336
baseline
▲ 0.50% · 4.625%
HK$40,668
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,672/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,132
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,208
−HK$1,092/mo
Today · 4.125%
HK$42,300
baseline
▲ 0.50% · 4.625%
HK$44,529
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,600/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,380
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,823
−HK$1,466/mo
Today · 4.125%
HK$49,289
baseline
▲ 0.50% · 4.625%
HK$52,288
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,578/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,598
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,982
−HK$1,403/mo
Today · 4.125%
HK$54,385
baseline
▲ 0.50% · 4.625%
HK$57,252
+HK$2,867/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,770/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,750 · Scale 2, in force from 26 Feb 2026)