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$25,740
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,541
−HK$813/mo
Today · 4.125%
HK$27,354
baseline
▲ 0.50% · 4.625%
HK$29,019
+HK$1,665/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,708/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,636
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,403
−HK$780/mo
Today · 4.125%
HK$30,183
baseline
▲ 0.50% · 4.625%
HK$31,774
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,366/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,888
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,849
−HK$976/mo
Today · 4.125%
HK$32,825
baseline
▲ 0.50% · 4.625%
HK$34,822
+HK$1,997/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,650/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,363
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,284
−HK$935/mo
Today · 4.125%
HK$36,219
baseline
▲ 0.50% · 4.625%
HK$38,128
+HK$1,909/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,438/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,036
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,157
−HK$1,139/mo
Today · 4.125%
HK$38,296
baseline
▲ 0.50% · 4.625%
HK$40,626
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,592/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,090
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,165
−HK$1,091/mo
Today · 4.125%
HK$42,256
baseline
▲ 0.50% · 4.625%
HK$44,483
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,512/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,332
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,773
−HK$1,464/mo
Today · 4.125%
HK$49,237
baseline
▲ 0.50% · 4.625%
HK$52,233
+HK$2,996/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,474/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,544
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,926
−HK$1,403/mo
Today · 4.125%
HK$54,329
baseline
▲ 0.50% · 4.625%
HK$57,192
+HK$2,863/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,658/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,308 · Scale 2, in force from 26 Feb 2026)