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$25,726
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,527
−HK$813/mo
Today · 4.125%
HK$27,340
baseline
▲ 0.50% · 4.625%
HK$29,003
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,680/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,620
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,388
−HK$778/mo
Today · 4.125%
HK$30,166
baseline
▲ 0.50% · 4.625%
HK$31,757
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,332/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,872
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,832
−HK$975/mo
Today · 4.125%
HK$32,807
baseline
▲ 0.50% · 4.625%
HK$34,804
+HK$1,997/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,614/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,344
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,265
−HK$935/mo
Today · 4.125%
HK$36,200
baseline
▲ 0.50% · 4.625%
HK$38,108
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,400/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,017
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,137
−HK$1,138/mo
Today · 4.125%
HK$38,275
baseline
▲ 0.50% · 4.625%
HK$40,604
+HK$2,329/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,550/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,068
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,143
−HK$1,090/mo
Today · 4.125%
HK$42,233
baseline
▲ 0.50% · 4.625%
HK$44,459
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,466/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,307
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,748
−HK$1,463/mo
Today · 4.125%
HK$49,211
baseline
▲ 0.50% · 4.625%
HK$52,206
+HK$2,995/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,422/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,516
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,898
−HK$1,402/mo
Today · 4.125%
HK$54,300
baseline
▲ 0.50% · 4.625%
HK$57,162
+HK$2,862/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,600/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,082 · Scale 2, in force from 26 Feb 2026)