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$25,696
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,495
−HK$812/mo
Today · 4.125%
HK$27,307
baseline
▲ 0.50% · 4.625%
HK$28,968
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,614/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,586
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,353
−HK$777/mo
Today · 4.125%
HK$30,130
baseline
▲ 0.50% · 4.625%
HK$31,719
+HK$1,589/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,260/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,835
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,794
−HK$974/mo
Today · 4.125%
HK$32,768
baseline
▲ 0.50% · 4.625%
HK$34,762
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,536/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,303
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,223
−HK$934/mo
Today · 4.125%
HK$36,157
baseline
▲ 0.50% · 4.625%
HK$38,062
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,314/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,974
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,093
−HK$1,137/mo
Today · 4.125%
HK$38,230
baseline
▲ 0.50% · 4.625%
HK$40,556
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,460/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,021
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,094
−HK$1,089/mo
Today · 4.125%
HK$42,183
baseline
▲ 0.50% · 4.625%
HK$44,406
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,366/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,252
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,691
−HK$1,461/mo
Today · 4.125%
HK$49,152
baseline
▲ 0.50% · 4.625%
HK$52,143
+HK$2,991/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,304/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,455
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,835
−HK$1,400/mo
Today · 4.125%
HK$54,235
baseline
▲ 0.50% · 4.625%
HK$57,094
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,470/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,578 · Scale 2, in force from 26 Feb 2026)