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$25,708
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,508
−HK$812/mo
Today · 4.125%
HK$27,320
baseline
▲ 0.50% · 4.625%
HK$28,983
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,640/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,600
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,367
−HK$778/mo
Today · 4.125%
HK$30,145
baseline
▲ 0.50% · 4.625%
HK$31,734
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,290/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,850
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,809
−HK$975/mo
Today · 4.125%
HK$32,784
baseline
▲ 0.50% · 4.625%
HK$34,779
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,568/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,320
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,240
−HK$934/mo
Today · 4.125%
HK$36,174
baseline
▲ 0.50% · 4.625%
HK$38,081
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,348/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,991
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,111
−HK$1,137/mo
Today · 4.125%
HK$38,248
baseline
▲ 0.50% · 4.625%
HK$40,576
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,496/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,040
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,114
−HK$1,089/mo
Today · 4.125%
HK$42,203
baseline
▲ 0.50% · 4.625%
HK$44,428
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,406/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,275
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,714
−HK$1,462/mo
Today · 4.125%
HK$49,176
baseline
▲ 0.50% · 4.625%
HK$52,169
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,352/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,480
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,861
−HK$1,400/mo
Today · 4.125%
HK$54,261
baseline
▲ 0.50% · 4.625%
HK$57,122
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,522/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,784 · Scale 2, in force from 26 Feb 2026)