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$25,753
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,554
−HK$814/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$29,033
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,650
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,418
−HK$780/mo
Today · 4.125%
HK$30,198
baseline
▲ 0.50% · 4.625%
HK$31,790
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,396/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,904
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,865
−HK$977/mo
Today · 4.125%
HK$32,842
baseline
▲ 0.50% · 4.625%
HK$34,840
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,684/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,380
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,302
−HK$935/mo
Today · 4.125%
HK$36,237
baseline
▲ 0.50% · 4.625%
HK$38,148
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,474/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,054
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,176
−HK$1,139/mo
Today · 4.125%
HK$38,315
baseline
▲ 0.50% · 4.625%
HK$40,647
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,630/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,110
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,186
−HK$1,091/mo
Today · 4.125%
HK$42,277
baseline
▲ 0.50% · 4.625%
HK$44,505
+HK$2,228/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,554/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,355
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,797
−HK$1,465/mo
Today · 4.125%
HK$49,262
baseline
▲ 0.50% · 4.625%
HK$52,260
+HK$2,998/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,524/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,570
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,953
−HK$1,403/mo
Today · 4.125%
HK$54,356
baseline
▲ 0.50% · 4.625%
HK$57,221
+HK$2,865/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,712/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,522 · Scale 2, in force from 26 Feb 2026)