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$25,725
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,525
−HK$813/mo
Today · 4.125%
HK$27,338
baseline
▲ 0.50% · 4.625%
HK$29,001
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,676/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,618
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,386
−HK$778/mo
Today · 4.125%
HK$30,164
baseline
▲ 0.50% · 4.625%
HK$31,755
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,328/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,869
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,830
−HK$975/mo
Today · 4.125%
HK$32,805
baseline
▲ 0.50% · 4.625%
HK$34,801
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,610/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,342
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,263
−HK$934/mo
Today · 4.125%
HK$36,197
baseline
▲ 0.50% · 4.625%
HK$38,105
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,394/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,014
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,135
−HK$1,138/mo
Today · 4.125%
HK$38,273
baseline
▲ 0.50% · 4.625%
HK$40,602
+HK$2,329/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,546/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,066
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,140
−HK$1,090/mo
Today · 4.125%
HK$42,230
baseline
▲ 0.50% · 4.625%
HK$44,456
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,460/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,304
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,745
−HK$1,463/mo
Today · 4.125%
HK$49,208
baseline
▲ 0.50% · 4.625%
HK$52,202
+HK$2,994/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,416/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,513
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,895
−HK$1,401/mo
Today · 4.125%
HK$54,296
baseline
▲ 0.50% · 4.625%
HK$57,158
+HK$2,862/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,592/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,055 · Scale 2, in force from 26 Feb 2026)