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$25,713
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,513
−HK$813/mo
Today · 4.125%
HK$27,326
baseline
▲ 0.50% · 4.625%
HK$28,988
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,652/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,606
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,373
−HK$778/mo
Today · 4.125%
HK$30,151
baseline
▲ 0.50% · 4.625%
HK$31,741
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,302/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,856
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,816
−HK$975/mo
Today · 4.125%
HK$32,791
baseline
▲ 0.50% · 4.625%
HK$34,786
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,582/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,327
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,247
−HK$934/mo
Today · 4.125%
HK$36,181
baseline
▲ 0.50% · 4.625%
HK$38,089
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,362/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,999
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,118
−HK$1,138/mo
Today · 4.125%
HK$38,256
baseline
▲ 0.50% · 4.625%
HK$40,584
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,512/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,048
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,122
−HK$1,090/mo
Today · 4.125%
HK$42,212
baseline
▲ 0.50% · 4.625%
HK$44,437
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,424/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,284
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,724
−HK$1,462/mo
Today · 4.125%
HK$49,186
baseline
▲ 0.50% · 4.625%
HK$52,179
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,372/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,490
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,871
−HK$1,401/mo
Today · 4.125%
HK$54,272
baseline
▲ 0.50% · 4.625%
HK$57,133
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,544/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,868 · Scale 2, in force from 26 Feb 2026)