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$25,718
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,518
−HK$813/mo
Today · 4.125%
HK$27,331
baseline
▲ 0.50% · 4.625%
HK$28,994
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,662/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,611
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,378
−HK$779/mo
Today · 4.125%
HK$30,157
baseline
▲ 0.50% · 4.625%
HK$31,746
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,314/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,861
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,821
−HK$976/mo
Today · 4.125%
HK$32,797
baseline
▲ 0.50% · 4.625%
HK$34,792
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,594/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,333
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,254
−HK$934/mo
Today · 4.125%
HK$36,188
baseline
▲ 0.50% · 4.625%
HK$38,096
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,376/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,005
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,125
−HK$1,138/mo
Today · 4.125%
HK$38,263
baseline
▲ 0.50% · 4.625%
HK$40,591
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,526/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,055
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,130
−HK$1,089/mo
Today · 4.125%
HK$42,219
baseline
▲ 0.50% · 4.625%
HK$44,445
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,438/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,292
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,732
−HK$1,463/mo
Today · 4.125%
HK$49,195
baseline
▲ 0.50% · 4.625%
HK$52,189
+HK$2,994/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,390/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,500
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,881
−HK$1,401/mo
Today · 4.125%
HK$54,282
baseline
▲ 0.50% · 4.625%
HK$57,143
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,564/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,945 · Scale 2, in force from 26 Feb 2026)