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$25,694
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,494
−HK$812/mo
Today · 4.125%
HK$27,306
baseline
▲ 0.50% · 4.625%
HK$28,967
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,612/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,585
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,351
−HK$778/mo
Today · 4.125%
HK$30,129
baseline
▲ 0.50% · 4.625%
HK$31,717
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,258/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,833
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,792
−HK$975/mo
Today · 4.125%
HK$32,767
baseline
▲ 0.50% · 4.625%
HK$34,761
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,534/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,302
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,222
−HK$933/mo
Today · 4.125%
HK$36,155
baseline
▲ 0.50% · 4.625%
HK$38,061
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,310/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,972
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,091
−HK$1,137/mo
Today · 4.125%
HK$38,228
baseline
▲ 0.50% · 4.625%
HK$40,554
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,456/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,019
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,092
−HK$1,089/mo
Today · 4.125%
HK$42,181
baseline
▲ 0.50% · 4.625%
HK$44,404
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,362/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,250
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,689
−HK$1,461/mo
Today · 4.125%
HK$49,150
baseline
▲ 0.50% · 4.625%
HK$52,141
+HK$2,991/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,300/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,453
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,833
−HK$1,400/mo
Today · 4.125%
HK$54,233
baseline
▲ 0.50% · 4.625%
HK$57,091
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,466/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,559 · Scale 2, in force from 26 Feb 2026)