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$25,722
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,522
−HK$813/mo
Today · 4.125%
HK$27,335
baseline
▲ 0.50% · 4.625%
HK$28,998
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,670/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,615
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,383
−HK$778/mo
Today · 4.125%
HK$30,161
baseline
▲ 0.50% · 4.625%
HK$31,751
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,322/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,866
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,827
−HK$975/mo
Today · 4.125%
HK$32,802
baseline
▲ 0.50% · 4.625%
HK$34,798
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,604/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,339
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,260
−HK$934/mo
Today · 4.125%
HK$36,194
baseline
▲ 0.50% · 4.625%
HK$38,102
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,388/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,011
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,131
−HK$1,138/mo
Today · 4.125%
HK$38,269
baseline
▲ 0.50% · 4.625%
HK$40,598
+HK$2,329/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,538/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,062
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,136
−HK$1,090/mo
Today · 4.125%
HK$42,226
baseline
▲ 0.50% · 4.625%
HK$44,452
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,452/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,300
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,740
−HK$1,463/mo
Today · 4.125%
HK$49,203
baseline
▲ 0.50% · 4.625%
HK$52,197
+HK$2,994/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,406/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,508
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,889
−HK$1,402/mo
Today · 4.125%
HK$54,291
baseline
▲ 0.50% · 4.625%
HK$57,152
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,582/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,012 · Scale 2, in force from 26 Feb 2026)