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$25,713
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$813/mo
Today · 4.125%
HK$27,325
baseline
▲ 0.50% · 4.625%
HK$28,988
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,650/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,605
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,372
−HK$778/mo
Today · 4.125%
HK$30,150
baseline
▲ 0.50% · 4.625%
HK$31,740
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,300/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,855
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,815
−HK$975/mo
Today · 4.125%
HK$32,790
baseline
▲ 0.50% · 4.625%
HK$34,785
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,580/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,326
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,247
−HK$934/mo
Today · 4.125%
HK$36,181
baseline
▲ 0.50% · 4.625%
HK$38,088
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,362/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,998
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,117
−HK$1,138/mo
Today · 4.125%
HK$38,255
baseline
▲ 0.50% · 4.625%
HK$40,583
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,510/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,047
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,121
−HK$1,090/mo
Today · 4.125%
HK$42,211
baseline
▲ 0.50% · 4.625%
HK$44,436
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,422/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,283
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,722
−HK$1,463/mo
Today · 4.125%
HK$49,185
baseline
▲ 0.50% · 4.625%
HK$52,178
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,370/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,489
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,870
−HK$1,401/mo
Today · 4.125%
HK$54,271
baseline
▲ 0.50% · 4.625%
HK$57,132
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,542/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,858 · Scale 2, in force from 26 Feb 2026)