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$25,704
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,504
−HK$812/mo
Today · 4.125%
HK$27,316
baseline
▲ 0.50% · 4.625%
HK$28,978
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,632/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,596
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,363
−HK$778/mo
Today · 4.125%
HK$30,141
baseline
▲ 0.50% · 4.625%
HK$31,729
+HK$1,588/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,282/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,845
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,805
−HK$974/mo
Today · 4.125%
HK$32,779
baseline
▲ 0.50% · 4.625%
HK$34,774
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,558/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,315
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,235
−HK$934/mo
Today · 4.125%
HK$36,169
baseline
▲ 0.50% · 4.625%
HK$38,075
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,338/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,986
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,105
−HK$1,138/mo
Today · 4.125%
HK$38,243
baseline
▲ 0.50% · 4.625%
HK$40,570
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,486/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,034
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,108
−HK$1,089/mo
Today · 4.125%
HK$42,197
baseline
▲ 0.50% · 4.625%
HK$44,421
+HK$2,224/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,394/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,268
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,707
−HK$1,462/mo
Today · 4.125%
HK$49,169
baseline
▲ 0.50% · 4.625%
HK$52,161
+HK$2,992/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,338/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,472
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,853
−HK$1,400/mo
Today · 4.125%
HK$54,253
baseline
▲ 0.50% · 4.625%
HK$57,113
+HK$2,860/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,506/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,721 · Scale 2, in force from 26 Feb 2026)