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$25,773
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,575
−HK$814/mo
Today · 4.125%
HK$27,389
baseline
▲ 0.50% · 4.625%
HK$29,056
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,778/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,672
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,441
−HK$780/mo
Today · 4.125%
HK$30,221
baseline
▲ 0.50% · 4.625%
HK$31,814
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,442/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,928
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,890
−HK$977/mo
Today · 4.125%
HK$32,867
baseline
▲ 0.50% · 4.625%
HK$34,867
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,734/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,407
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,329
−HK$937/mo
Today · 4.125%
HK$36,266
baseline
▲ 0.50% · 4.625%
HK$38,177
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,532/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,082
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,205
−HK$1,140/mo
Today · 4.125%
HK$38,345
baseline
▲ 0.50% · 4.625%
HK$40,678
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,690/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,141
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,218
−HK$1,092/mo
Today · 4.125%
HK$42,310
baseline
▲ 0.50% · 4.625%
HK$44,540
+HK$2,230/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,620/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,391
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,834
−HK$1,467/mo
Today · 4.125%
HK$49,301
baseline
▲ 0.50% · 4.625%
HK$52,300
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,602/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,610
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,994
−HK$1,404/mo
Today · 4.125%
HK$54,398
baseline
▲ 0.50% · 4.625%
HK$57,266
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,796/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,851 · Scale 2, in force from 26 Feb 2026)