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$25,711
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,511
−HK$812/mo
Today · 4.125%
HK$27,323
baseline
▲ 0.50% · 4.625%
HK$28,986
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,646/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,603
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,370
−HK$778/mo
Today · 4.125%
HK$30,148
baseline
▲ 0.50% · 4.625%
HK$31,738
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,296/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,853
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$975/mo
Today · 4.125%
HK$32,788
baseline
▲ 0.50% · 4.625%
HK$34,783
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,576/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,324
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,244
−HK$934/mo
Today · 4.125%
HK$36,178
baseline
▲ 0.50% · 4.625%
HK$38,085
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,356/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,995
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,115
−HK$1,138/mo
Today · 4.125%
HK$38,253
baseline
▲ 0.50% · 4.625%
HK$40,580
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,506/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,044
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,118
−HK$1,090/mo
Today · 4.125%
HK$42,208
baseline
▲ 0.50% · 4.625%
HK$44,433
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,416/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,280
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,719
−HK$1,463/mo
Today · 4.125%
HK$49,182
baseline
▲ 0.50% · 4.625%
HK$52,174
+HK$2,992/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,364/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,486
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,866
−HK$1,401/mo
Today · 4.125%
HK$54,267
baseline
▲ 0.50% · 4.625%
HK$57,128
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,534/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,830 · Scale 2, in force from 26 Feb 2026)