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$1,611/mo
▼ 0.25% · 3.875%
HK$26,493
−HK$812/mo
Today · 4.125%
HK$27,305
baseline
▲ 0.50% · 4.625%
HK$28,966
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,610/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,584
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,350
−HK$778/mo
Today · 4.125%
HK$30,128
baseline
▲ 0.50% · 4.625%
HK$31,716
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,256/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,832
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,791
−HK$975/mo
Today · 4.125%
HK$32,766
baseline
▲ 0.50% · 4.625%
HK$34,760
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,532/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,301
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,221
−HK$933/mo
Today · 4.125%
HK$36,154
baseline
▲ 0.50% · 4.625%
HK$38,060
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,308/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,971
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,090
−HK$1,137/mo
Today · 4.125%
HK$38,227
baseline
▲ 0.50% · 4.625%
HK$40,553
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,454/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,017
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,091
−HK$1,088/mo
Today · 4.125%
HK$42,179
baseline
▲ 0.50% · 4.625%
HK$44,403
+HK$2,224/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,358/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,249
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,687
−HK$1,462/mo
Today · 4.125%
HK$49,149
baseline
▲ 0.50% · 4.625%
HK$52,139
+HK$2,990/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,298/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,451
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,831
−HK$1,400/mo
Today · 4.125%
HK$54,231
baseline
▲ 0.50% · 4.625%
HK$57,089
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,462/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,545 · Scale 2, in force from 26 Feb 2026)