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$25,775
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,577
−HK$815/mo
Today · 4.125%
HK$27,392
baseline
▲ 0.50% · 4.625%
HK$29,058
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,784/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,675
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,444
−HK$780/mo
Today · 4.125%
HK$30,224
baseline
▲ 0.50% · 4.625%
HK$31,817
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,448/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,930
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,892
−HK$978/mo
Today · 4.125%
HK$32,870
baseline
▲ 0.50% · 4.625%
HK$34,870
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,740/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,410
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,332
−HK$937/mo
Today · 4.125%
HK$36,269
baseline
▲ 0.50% · 4.625%
HK$38,180
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,538/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,085
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,208
−HK$1,140/mo
Today · 4.125%
HK$38,348
baseline
▲ 0.50% · 4.625%
HK$40,682
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,696/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,145
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,221
−HK$1,092/mo
Today · 4.125%
HK$42,313
baseline
▲ 0.50% · 4.625%
HK$44,544
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,626/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,395
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,839
−HK$1,466/mo
Today · 4.125%
HK$49,305
baseline
▲ 0.50% · 4.625%
HK$52,305
+HK$3,000/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,610/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,614
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$52,999
−HK$1,404/mo
Today · 4.125%
HK$54,403
baseline
▲ 0.50% · 4.625%
HK$57,271
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,806/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,887 · Scale 2, in force from 26 Feb 2026)