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$25,738
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,539
−HK$813/mo
Today · 4.125%
HK$27,352
baseline
▲ 0.50% · 4.625%
HK$29,017
+HK$1,665/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,704/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,634
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,402
−HK$779/mo
Today · 4.125%
HK$30,181
baseline
▲ 0.50% · 4.625%
HK$31,772
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,362/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,886
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,847
−HK$976/mo
Today · 4.125%
HK$32,823
baseline
▲ 0.50% · 4.625%
HK$34,820
+HK$1,997/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,646/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,360
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,282
−HK$935/mo
Today · 4.125%
HK$36,217
baseline
▲ 0.50% · 4.625%
HK$38,126
+HK$1,909/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,434/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,034
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,155
−HK$1,138/mo
Today · 4.125%
HK$38,293
baseline
▲ 0.50% · 4.625%
HK$40,623
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,586/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,087
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,162
−HK$1,091/mo
Today · 4.125%
HK$42,253
baseline
▲ 0.50% · 4.625%
HK$44,480
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,506/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,329
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,770
−HK$1,464/mo
Today · 4.125%
HK$49,234
baseline
▲ 0.50% · 4.625%
HK$52,230
+HK$2,996/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,468/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,541
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,923
−HK$1,402/mo
Today · 4.125%
HK$54,325
baseline
▲ 0.50% · 4.625%
HK$57,189
+HK$2,864/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,650/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,282 · Scale 2, in force from 26 Feb 2026)