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$25,739
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,540
−HK$813/mo
Today · 4.125%
HK$27,353
baseline
▲ 0.50% · 4.625%
HK$29,017
+HK$1,664/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,706/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,634
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,402
−HK$779/mo
Today · 4.125%
HK$30,181
baseline
▲ 0.50% · 4.625%
HK$31,772
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,362/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,887
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,848
−HK$976/mo
Today · 4.125%
HK$32,824
baseline
▲ 0.50% · 4.625%
HK$34,821
+HK$1,997/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,648/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,361
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,283
−HK$935/mo
Today · 4.125%
HK$36,218
baseline
▲ 0.50% · 4.625%
HK$38,127
+HK$1,909/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,436/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,035
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,156
−HK$1,138/mo
Today · 4.125%
HK$38,294
baseline
▲ 0.50% · 4.625%
HK$40,624
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,588/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,088
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,163
−HK$1,091/mo
Today · 4.125%
HK$42,254
baseline
▲ 0.50% · 4.625%
HK$44,481
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,508/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,330
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,771
−HK$1,465/mo
Today · 4.125%
HK$49,236
baseline
▲ 0.50% · 4.625%
HK$52,231
+HK$2,995/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,472/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,542
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,924
−HK$1,403/mo
Today · 4.125%
HK$54,327
baseline
▲ 0.50% · 4.625%
HK$57,190
+HK$2,863/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,654/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,293 · Scale 2, in force from 26 Feb 2026)