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$25,733
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,534
−HK$813/mo
Today · 4.125%
HK$27,347
baseline
▲ 0.50% · 4.625%
HK$29,011
+HK$1,664/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,694/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,628
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,396
−HK$778/mo
Today · 4.125%
HK$30,174
baseline
▲ 0.50% · 4.625%
HK$31,765
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,348/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,880
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,840
−HK$976/mo
Today · 4.125%
HK$32,816
baseline
▲ 0.50% · 4.625%
HK$34,813
+HK$1,997/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,632/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,353
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,275
−HK$934/mo
Today · 4.125%
HK$36,209
baseline
▲ 0.50% · 4.625%
HK$38,118
+HK$1,909/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,418/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,026
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,147
−HK$1,138/mo
Today · 4.125%
HK$38,285
baseline
▲ 0.50% · 4.625%
HK$40,615
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,570/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,079
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,154
−HK$1,090/mo
Today · 4.125%
HK$42,244
baseline
▲ 0.50% · 4.625%
HK$44,471
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,488/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,320
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,760
−HK$1,464/mo
Today · 4.125%
HK$49,224
baseline
▲ 0.50% · 4.625%
HK$52,219
+HK$2,995/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,448/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,530
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,912
−HK$1,402/mo
Today · 4.125%
HK$54,314
baseline
▲ 0.50% · 4.625%
HK$57,177
+HK$2,863/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,628/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,194 · Scale 2, in force from 26 Feb 2026)