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$25,708
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,507
−HK$813/mo
Today · 4.125%
HK$27,320
baseline
▲ 0.50% · 4.625%
HK$28,982
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,640/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,599
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,366
−HK$779/mo
Today · 4.125%
HK$30,145
baseline
▲ 0.50% · 4.625%
HK$31,733
+HK$1,588/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,290/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,849
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,809
−HK$975/mo
Today · 4.125%
HK$32,784
baseline
▲ 0.50% · 4.625%
HK$34,778
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,568/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,319
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,240
−HK$933/mo
Today · 4.125%
HK$36,173
baseline
▲ 0.50% · 4.625%
HK$38,080
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,346/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,991
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,110
−HK$1,137/mo
Today · 4.125%
HK$38,247
baseline
▲ 0.50% · 4.625%
HK$40,575
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,494/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,039
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,113
−HK$1,089/mo
Today · 4.125%
HK$42,202
baseline
▲ 0.50% · 4.625%
HK$44,427
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,404/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,274
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,713
−HK$1,462/mo
Today · 4.125%
HK$49,175
baseline
▲ 0.50% · 4.625%
HK$52,168
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,350/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,479
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,859
−HK$1,401/mo
Today · 4.125%
HK$54,260
baseline
▲ 0.50% · 4.625%
HK$57,120
+HK$2,860/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,520/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,774 · Scale 2, in force from 26 Feb 2026)