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$25,744
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,544
−HK$814/mo
Today · 4.125%
HK$27,358
baseline
▲ 0.50% · 4.625%
HK$29,023
+HK$1,665/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,716/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,639
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,407
−HK$780/mo
Today · 4.125%
HK$30,187
baseline
▲ 0.50% · 4.625%
HK$31,778
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,374/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,892
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,853
−HK$976/mo
Today · 4.125%
HK$32,829
baseline
▲ 0.50% · 4.625%
HK$34,827
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,658/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,367
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,289
−HK$935/mo
Today · 4.125%
HK$36,224
baseline
▲ 0.50% · 4.625%
HK$38,133
+HK$1,909/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,448/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,041
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,162
−HK$1,139/mo
Today · 4.125%
HK$38,301
baseline
▲ 0.50% · 4.625%
HK$40,632
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,602/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,095
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,170
−HK$1,091/mo
Today · 4.125%
HK$42,261
baseline
▲ 0.50% · 4.625%
HK$44,489
+HK$2,228/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,522/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,338
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,780
−HK$1,464/mo
Today · 4.125%
HK$49,244
baseline
▲ 0.50% · 4.625%
HK$52,241
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,488/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,551
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,933
−HK$1,403/mo
Today · 4.125%
HK$54,336
baseline
▲ 0.50% · 4.625%
HK$57,200
+HK$2,864/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,672/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,366 · Scale 2, in force from 26 Feb 2026)