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$25,736
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,536
−HK$813/mo
Today · 4.125%
HK$27,349
baseline
▲ 0.50% · 4.625%
HK$29,014
+HK$1,665/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,698/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,631
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,398
−HK$779/mo
Today · 4.125%
HK$30,177
baseline
▲ 0.50% · 4.625%
HK$31,768
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,354/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,883
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,843
−HK$976/mo
Today · 4.125%
HK$32,819
baseline
▲ 0.50% · 4.625%
HK$34,816
+HK$1,997/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,638/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,357
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,278
−HK$935/mo
Today · 4.125%
HK$36,213
baseline
▲ 0.50% · 4.625%
HK$38,122
+HK$1,909/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,426/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,030
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,150
−HK$1,139/mo
Today · 4.125%
HK$38,289
baseline
▲ 0.50% · 4.625%
HK$40,619
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,578/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,083
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,158
−HK$1,090/mo
Today · 4.125%
HK$42,248
baseline
▲ 0.50% · 4.625%
HK$44,475
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,496/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,324
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,765
−HK$1,464/mo
Today · 4.125%
HK$49,229
baseline
▲ 0.50% · 4.625%
HK$52,224
+HK$2,995/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,458/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,535
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,917
−HK$1,402/mo
Today · 4.125%
HK$54,319
baseline
▲ 0.50% · 4.625%
HK$57,182
+HK$2,863/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,638/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,235 · Scale 2, in force from 26 Feb 2026)