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$25,726
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,526
−HK$813/mo
Today · 4.125%
HK$27,339
baseline
▲ 0.50% · 4.625%
HK$29,002
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,678/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,620
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,387
−HK$779/mo
Today · 4.125%
HK$30,166
baseline
▲ 0.50% · 4.625%
HK$31,756
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,332/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,871
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,831
−HK$976/mo
Today · 4.125%
HK$32,807
baseline
▲ 0.50% · 4.625%
HK$34,803
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,614/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,344
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,265
−HK$934/mo
Today · 4.125%
HK$36,199
baseline
▲ 0.50% · 4.625%
HK$38,107
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,398/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,016
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,136
−HK$1,139/mo
Today · 4.125%
HK$38,275
baseline
▲ 0.50% · 4.625%
HK$40,603
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,550/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,067
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,142
−HK$1,090/mo
Today · 4.125%
HK$42,232
baseline
▲ 0.50% · 4.625%
HK$44,458
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,464/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,306
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,747
−HK$1,463/mo
Today · 4.125%
HK$49,210
baseline
▲ 0.50% · 4.625%
HK$52,204
+HK$2,994/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,420/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,515
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,897
−HK$1,402/mo
Today · 4.125%
HK$54,299
baseline
▲ 0.50% · 4.625%
HK$57,161
+HK$2,862/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,598/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,073 · Scale 2, in force from 26 Feb 2026)