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$25,687
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,486
−HK$812/mo
Today · 4.125%
HK$27,298
baseline
▲ 0.50% · 4.625%
HK$28,959
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,596/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,576
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,343
−HK$777/mo
Today · 4.125%
HK$30,120
baseline
▲ 0.50% · 4.625%
HK$31,708
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,240/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,824
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,783
−HK$974/mo
Today · 4.125%
HK$32,757
baseline
▲ 0.50% · 4.625%
HK$34,750
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,514/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,291
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,211
−HK$933/mo
Today · 4.125%
HK$36,144
baseline
▲ 0.50% · 4.625%
HK$38,049
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,288/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,961
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,080
−HK$1,137/mo
Today · 4.125%
HK$38,217
baseline
▲ 0.50% · 4.625%
HK$40,542
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,434/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,007
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,080
−HK$1,088/mo
Today · 4.125%
HK$42,168
baseline
▲ 0.50% · 4.625%
HK$44,391
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,336/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,236
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,674
−HK$1,462/mo
Today · 4.125%
HK$49,136
baseline
▲ 0.50% · 4.625%
HK$52,125
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,272/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,437
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,817
−HK$1,399/mo
Today · 4.125%
HK$54,216
baseline
▲ 0.50% · 4.625%
HK$57,074
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,432/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,432 · Scale 2, in force from 26 Feb 2026)