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$25,690
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,489
−HK$812/mo
Today · 4.125%
HK$27,301
baseline
▲ 0.50% · 4.625%
HK$28,963
+HK$1,662/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,602/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,580
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,347
−HK$777/mo
Today · 4.125%
HK$30,124
baseline
▲ 0.50% · 4.625%
HK$31,712
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,248/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,828
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,787
−HK$975/mo
Today · 4.125%
HK$32,762
baseline
▲ 0.50% · 4.625%
HK$34,755
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,524/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,296
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,216
−HK$933/mo
Today · 4.125%
HK$36,149
baseline
▲ 0.50% · 4.625%
HK$38,055
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,298/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,966
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,085
−HK$1,137/mo
Today · 4.125%
HK$38,222
baseline
▲ 0.50% · 4.625%
HK$40,548
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,444/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,012
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,085
−HK$1,089/mo
Today · 4.125%
HK$42,174
baseline
▲ 0.50% · 4.625%
HK$44,397
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,348/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,243
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,681
−HK$1,461/mo
Today · 4.125%
HK$49,142
baseline
▲ 0.50% · 4.625%
HK$52,133
+HK$2,991/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,284/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,444
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,824
−HK$1,400/mo
Today · 4.125%
HK$54,224
baseline
▲ 0.50% · 4.625%
HK$57,082
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,448/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,491 · Scale 2, in force from 26 Feb 2026)