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$25,780
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,582
−HK$814/mo
Today · 4.125%
HK$27,396
baseline
▲ 0.50% · 4.625%
HK$29,063
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,792/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,680
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,449
−HK$780/mo
Today · 4.125%
HK$30,229
baseline
▲ 0.50% · 4.625%
HK$31,823
+HK$1,594/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,458/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,936
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,898
−HK$978/mo
Today · 4.125%
HK$32,876
baseline
▲ 0.50% · 4.625%
HK$34,876
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,752/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,416
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,339
−HK$936/mo
Today · 4.125%
HK$36,275
baseline
▲ 0.50% · 4.625%
HK$38,187
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,550/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,092
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,214
−HK$1,141/mo
Today · 4.125%
HK$38,355
baseline
▲ 0.50% · 4.625%
HK$40,689
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,710/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,151
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,228
−HK$1,093/mo
Today · 4.125%
HK$42,321
baseline
▲ 0.50% · 4.625%
HK$44,552
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,642/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,403
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,847
−HK$1,466/mo
Today · 4.125%
HK$49,313
baseline
▲ 0.50% · 4.625%
HK$52,314
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,626/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,623
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,008
−HK$1,404/mo
Today · 4.125%
HK$54,412
baseline
▲ 0.50% · 4.625%
HK$57,281
+HK$2,869/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,824/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,961 · Scale 2, in force from 26 Feb 2026)