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$25,781
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,583
−HK$815/mo
Today · 4.125%
HK$27,398
baseline
▲ 0.50% · 4.625%
HK$29,065
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,796/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,682
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,451
−HK$780/mo
Today · 4.125%
HK$30,231
baseline
▲ 0.50% · 4.625%
HK$31,825
+HK$1,594/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,462/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,938
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,900
−HK$978/mo
Today · 4.125%
HK$32,878
baseline
▲ 0.50% · 4.625%
HK$34,878
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,756/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,418
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,341
−HK$936/mo
Today · 4.125%
HK$36,277
baseline
▲ 0.50% · 4.625%
HK$38,190
+HK$1,913/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,554/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,094
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,217
−HK$1,140/mo
Today · 4.125%
HK$38,357
baseline
▲ 0.50% · 4.625%
HK$40,691
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,714/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,154
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,231
−HK$1,093/mo
Today · 4.125%
HK$42,324
baseline
▲ 0.50% · 4.625%
HK$44,555
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,648/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,407
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,850
−HK$1,467/mo
Today · 4.125%
HK$49,317
baseline
▲ 0.50% · 4.625%
HK$52,318
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,634/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,627
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,012
−HK$1,404/mo
Today · 4.125%
HK$54,416
baseline
▲ 0.50% · 4.625%
HK$57,285
+HK$2,869/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,832/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,990 · Scale 2, in force from 26 Feb 2026)