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$25,701
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,501
−HK$812/mo
Today · 4.125%
HK$27,313
baseline
▲ 0.50% · 4.625%
HK$28,975
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,626/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,592
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,359
−HK$778/mo
Today · 4.125%
HK$30,137
baseline
▲ 0.50% · 4.625%
HK$31,726
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,274/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,841
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,801
−HK$975/mo
Today · 4.125%
HK$32,776
baseline
▲ 0.50% · 4.625%
HK$34,770
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,552/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,311
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,231
−HK$934/mo
Today · 4.125%
HK$36,165
baseline
▲ 0.50% · 4.625%
HK$38,071
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,330/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,982
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,101
−HK$1,137/mo
Today · 4.125%
HK$38,238
baseline
▲ 0.50% · 4.625%
HK$40,565
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,476/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,029
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,103
−HK$1,089/mo
Today · 4.125%
HK$42,192
baseline
▲ 0.50% · 4.625%
HK$44,416
+HK$2,224/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,384/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,262
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,701
−HK$1,462/mo
Today · 4.125%
HK$49,163
baseline
▲ 0.50% · 4.625%
HK$52,155
+HK$2,992/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,326/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,466
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,847
−HK$1,400/mo
Today · 4.125%
HK$54,247
baseline
▲ 0.50% · 4.625%
HK$57,106
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,494/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,671 · Scale 2, in force from 26 Feb 2026)