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$25,715
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,514
−HK$813/mo
Today · 4.125%
HK$27,327
baseline
▲ 0.50% · 4.625%
HK$28,990
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,654/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,607
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,374
−HK$779/mo
Today · 4.125%
HK$30,153
baseline
▲ 0.50% · 4.625%
HK$31,742
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,306/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,857
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,817
−HK$975/mo
Today · 4.125%
HK$32,792
baseline
▲ 0.50% · 4.625%
HK$34,788
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,584/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,329
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,249
−HK$934/mo
Today · 4.125%
HK$36,183
baseline
▲ 0.50% · 4.625%
HK$38,091
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,366/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,000
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,120
−HK$1,138/mo
Today · 4.125%
HK$38,258
baseline
▲ 0.50% · 4.625%
HK$40,586
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,516/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,050
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,124
−HK$1,090/mo
Today · 4.125%
HK$42,214
baseline
▲ 0.50% · 4.625%
HK$44,439
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,428/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,286
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,726
−HK$1,463/mo
Today · 4.125%
HK$49,189
baseline
▲ 0.50% · 4.625%
HK$52,182
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,378/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,493
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,874
−HK$1,401/mo
Today · 4.125%
HK$54,275
baseline
▲ 0.50% · 4.625%
HK$57,136
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,550/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,889 · Scale 2, in force from 26 Feb 2026)