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$25,717
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,517
−HK$813/mo
Today · 4.125%
HK$27,330
baseline
▲ 0.50% · 4.625%
HK$28,993
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,660/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,610
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,377
−HK$779/mo
Today · 4.125%
HK$30,156
baseline
▲ 0.50% · 4.625%
HK$31,745
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,312/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,861
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,821
−HK$975/mo
Today · 4.125%
HK$32,796
baseline
▲ 0.50% · 4.625%
HK$34,791
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,592/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,332
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,253
−HK$934/mo
Today · 4.125%
HK$36,187
baseline
▲ 0.50% · 4.625%
HK$38,094
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,374/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,004
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,124
−HK$1,138/mo
Today · 4.125%
HK$38,262
baseline
▲ 0.50% · 4.625%
HK$40,590
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,524/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,054
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,128
−HK$1,090/mo
Today · 4.125%
HK$42,218
baseline
▲ 0.50% · 4.625%
HK$44,444
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,436/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,291
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,731
−HK$1,463/mo
Today · 4.125%
HK$49,194
baseline
▲ 0.50% · 4.625%
HK$52,187
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,388/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,498
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,879
−HK$1,401/mo
Today · 4.125%
HK$54,280
baseline
▲ 0.50% · 4.625%
HK$57,142
+HK$2,862/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,560/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,933 · Scale 2, in force from 26 Feb 2026)