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$25,767
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,568
−HK$814/mo
Today · 4.125%
HK$27,382
baseline
▲ 0.50% · 4.625%
HK$29,048
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,764/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,665
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$780/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$31,806
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,920
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,882
−HK$977/mo
Today · 4.125%
HK$32,859
baseline
▲ 0.50% · 4.625%
HK$34,858
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,718/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,398
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,321
−HK$935/mo
Today · 4.125%
HK$36,256
baseline
▲ 0.50% · 4.625%
HK$38,168
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,512/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,073
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,195
−HK$1,140/mo
Today · 4.125%
HK$38,335
baseline
▲ 0.50% · 4.625%
HK$40,668
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,670/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,131
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,207
−HK$1,092/mo
Today · 4.125%
HK$42,299
baseline
▲ 0.50% · 4.625%
HK$44,529
+HK$2,230/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,598/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,380
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,822
−HK$1,466/mo
Today · 4.125%
HK$49,288
baseline
▲ 0.50% · 4.625%
HK$52,287
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,576/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,597
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,981
−HK$1,404/mo
Today · 4.125%
HK$54,385
baseline
▲ 0.50% · 4.625%
HK$57,251
+HK$2,866/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,770/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,745 · Scale 2, in force from 26 Feb 2026)