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$25,697
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,497
−HK$812/mo
Today · 4.125%
HK$27,309
baseline
▲ 0.50% · 4.625%
HK$28,971
+HK$1,662/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,618/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,588
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,355
−HK$778/mo
Today · 4.125%
HK$30,133
baseline
▲ 0.50% · 4.625%
HK$31,721
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,266/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,837
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,796
−HK$975/mo
Today · 4.125%
HK$32,771
baseline
▲ 0.50% · 4.625%
HK$34,765
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,542/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,306
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,226
−HK$933/mo
Today · 4.125%
HK$36,159
baseline
▲ 0.50% · 4.625%
HK$38,065
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,318/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,976
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,096
−HK$1,137/mo
Today · 4.125%
HK$38,233
baseline
▲ 0.50% · 4.625%
HK$40,559
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,466/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,023
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,097
−HK$1,089/mo
Today · 4.125%
HK$42,186
baseline
▲ 0.50% · 4.625%
HK$44,409
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,372/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,255
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,694
−HK$1,462/mo
Today · 4.125%
HK$49,156
baseline
▲ 0.50% · 4.625%
HK$52,147
+HK$2,991/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,312/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,459
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,839
−HK$1,400/mo
Today · 4.125%
HK$54,239
baseline
▲ 0.50% · 4.625%
HK$57,098
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,478/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,609 · Scale 2, in force from 26 Feb 2026)