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$1,616/mo
▼ 0.25% · 3.875%
HK$26,569
−HK$814/mo
Today · 4.125%
HK$27,383
baseline
▲ 0.50% · 4.625%
HK$29,049
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,766/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,666
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,435
−HK$780/mo
Today · 4.125%
HK$30,215
baseline
▲ 0.50% · 4.625%
HK$31,807
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,430/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,921
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,883
−HK$977/mo
Today · 4.125%
HK$32,860
baseline
▲ 0.50% · 4.625%
HK$34,859
+HK$1,999/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,720/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,399
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,322
−HK$936/mo
Today · 4.125%
HK$36,258
baseline
▲ 0.50% · 4.625%
HK$38,169
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,516/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,074
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,196
−HK$1,140/mo
Today · 4.125%
HK$38,336
baseline
▲ 0.50% · 4.625%
HK$40,669
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,672/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,132
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,209
−HK$1,091/mo
Today · 4.125%
HK$42,300
baseline
▲ 0.50% · 4.625%
HK$44,530
+HK$2,230/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,600/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,381
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,824
−HK$1,466/mo
Today · 4.125%
HK$49,290
baseline
▲ 0.50% · 4.625%
HK$52,289
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,580/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,599
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,982
−HK$1,404/mo
Today · 4.125%
HK$54,386
baseline
▲ 0.50% · 4.625%
HK$57,253
+HK$2,867/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,772/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,757 · Scale 2, in force from 26 Feb 2026)