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$25,777
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,579
−HK$814/mo
Today · 4.125%
HK$27,393
baseline
▲ 0.50% · 4.625%
HK$29,060
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,786/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,676
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,446
−HK$780/mo
Today · 4.125%
HK$30,226
baseline
▲ 0.50% · 4.625%
HK$31,819
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,452/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,932
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,894
−HK$978/mo
Today · 4.125%
HK$32,872
baseline
▲ 0.50% · 4.625%
HK$34,872
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,744/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,412
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$936/mo
Today · 4.125%
HK$36,271
baseline
▲ 0.50% · 4.625%
HK$38,183
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,542/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,088
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,210
−HK$1,141/mo
Today · 4.125%
HK$38,351
baseline
▲ 0.50% · 4.625%
HK$40,684
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,702/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,147
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,224
−HK$1,092/mo
Today · 4.125%
HK$42,316
baseline
▲ 0.50% · 4.625%
HK$44,547
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,632/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,398
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,842
−HK$1,466/mo
Today · 4.125%
HK$49,308
baseline
▲ 0.50% · 4.625%
HK$52,308
+HK$3,000/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,616/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,618
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$53,002
−HK$1,404/mo
Today · 4.125%
HK$54,406
baseline
▲ 0.50% · 4.625%
HK$57,274
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,812/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,914 · Scale 2, in force from 26 Feb 2026)