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$25,743
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$814/mo
Today · 4.125%
HK$27,357
baseline
▲ 0.50% · 4.625%
HK$29,021
+HK$1,664/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,714/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,638
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$780/mo
Today · 4.125%
HK$30,186
baseline
▲ 0.50% · 4.625%
HK$31,777
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,372/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,891
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,852
−HK$976/mo
Today · 4.125%
HK$32,828
baseline
▲ 0.50% · 4.625%
HK$34,826
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,656/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,366
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,288
−HK$935/mo
Today · 4.125%
HK$36,223
baseline
▲ 0.50% · 4.625%
HK$38,132
+HK$1,909/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,446/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,040
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,161
−HK$1,139/mo
Today · 4.125%
HK$38,300
baseline
▲ 0.50% · 4.625%
HK$40,630
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,600/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,094
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,169
−HK$1,091/mo
Today · 4.125%
HK$42,260
baseline
▲ 0.50% · 4.625%
HK$44,487
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,520/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,337
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,778
−HK$1,464/mo
Today · 4.125%
HK$49,242
baseline
▲ 0.50% · 4.625%
HK$52,239
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,484/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,549
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,931
−HK$1,403/mo
Today · 4.125%
HK$54,334
baseline
▲ 0.50% · 4.625%
HK$57,198
+HK$2,864/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,668/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,350 · Scale 2, in force from 26 Feb 2026)