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$25,788
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,591
−HK$815/mo
Today · 4.125%
HK$27,406
baseline
▲ 0.50% · 4.625%
HK$29,073
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,812/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,689
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,459
−HK$780/mo
Today · 4.125%
HK$30,239
baseline
▲ 0.50% · 4.625%
HK$31,833
+HK$1,594/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,478/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,946
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,909
−HK$978/mo
Today · 4.125%
HK$32,887
baseline
▲ 0.50% · 4.625%
HK$34,888
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,774/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,427
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,351
−HK$936/mo
Today · 4.125%
HK$36,287
baseline
▲ 0.50% · 4.625%
HK$38,200
+HK$1,913/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$72,574/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,104
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,227
−HK$1,141/mo
Today · 4.125%
HK$38,368
baseline
▲ 0.50% · 4.625%
HK$40,703
+HK$2,335/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,736/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,165
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,242
−HK$1,093/mo
Today · 4.125%
HK$42,335
baseline
▲ 0.50% · 4.625%
HK$44,567
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,670/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,419
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,863
−HK$1,467/mo
Today · 4.125%
HK$49,330
baseline
▲ 0.50% · 4.625%
HK$52,332
+HK$3,002/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,660/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,641
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,026
−HK$1,405/mo
Today · 4.125%
HK$54,431
baseline
▲ 0.50% · 4.625%
HK$57,300
+HK$2,869/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,862/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,105 · Scale 2, in force from 26 Feb 2026)