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$25,682
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,481
−HK$811/mo
Today · 4.125%
HK$27,292
baseline
▲ 0.50% · 4.625%
HK$28,953
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,584/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,571
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,337
−HK$777/mo
Today · 4.125%
HK$30,114
baseline
▲ 0.50% · 4.625%
HK$31,702
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,228/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,818
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,777
−HK$974/mo
Today · 4.125%
HK$32,751
baseline
▲ 0.50% · 4.625%
HK$34,744
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,502/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,285
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,204
−HK$933/mo
Today · 4.125%
HK$36,137
baseline
▲ 0.50% · 4.625%
HK$38,042
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,274/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,955
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,073
−HK$1,136/mo
Today · 4.125%
HK$38,209
baseline
▲ 0.50% · 4.625%
HK$40,534
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,418/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,999
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,072
−HK$1,088/mo
Today · 4.125%
HK$42,160
baseline
▲ 0.50% · 4.625%
HK$44,382
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,320/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,227
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,665
−HK$1,461/mo
Today · 4.125%
HK$49,126
baseline
▲ 0.50% · 4.625%
HK$52,115
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,252/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,427
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,807
−HK$1,399/mo
Today · 4.125%
HK$54,206
baseline
▲ 0.50% · 4.625%
HK$57,063
+HK$2,857/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,412/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,351 · Scale 2, in force from 26 Feb 2026)