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$25,718
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,518
−HK$813/mo
Today · 4.125%
HK$27,331
baseline
▲ 0.50% · 4.625%
HK$28,994
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,662/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,611
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,379
−HK$778/mo
Today · 4.125%
HK$30,157
baseline
▲ 0.50% · 4.625%
HK$31,747
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,314/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,862
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,822
−HK$975/mo
Today · 4.125%
HK$32,797
baseline
▲ 0.50% · 4.625%
HK$34,793
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,594/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,333
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,254
−HK$934/mo
Today · 4.125%
HK$36,188
baseline
▲ 0.50% · 4.625%
HK$38,096
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,376/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,005
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,125
−HK$1,138/mo
Today · 4.125%
HK$38,263
baseline
▲ 0.50% · 4.625%
HK$40,591
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,526/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,056
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,130
−HK$1,090/mo
Today · 4.125%
HK$42,220
baseline
▲ 0.50% · 4.625%
HK$44,445
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,440/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,293
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,733
−HK$1,463/mo
Today · 4.125%
HK$49,196
baseline
▲ 0.50% · 4.625%
HK$52,189
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,392/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,500
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,881
−HK$1,402/mo
Today · 4.125%
HK$54,283
baseline
▲ 0.50% · 4.625%
HK$57,144
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,566/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,949 · Scale 2, in force from 26 Feb 2026)