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$25,720
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,520
−HK$813/mo
Today · 4.125%
HK$27,333
baseline
▲ 0.50% · 4.625%
HK$28,996
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,666/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,614
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,381
−HK$778/mo
Today · 4.125%
HK$30,159
baseline
▲ 0.50% · 4.625%
HK$31,749
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,318/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,864
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,824
−HK$976/mo
Today · 4.125%
HK$32,800
baseline
▲ 0.50% · 4.625%
HK$34,796
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,600/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,336
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,257
−HK$934/mo
Today · 4.125%
HK$36,191
baseline
▲ 0.50% · 4.625%
HK$38,099
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,382/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,008
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,128
−HK$1,138/mo
Today · 4.125%
HK$38,266
baseline
▲ 0.50% · 4.625%
HK$40,595
+HK$2,329/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,532/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,059
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,133
−HK$1,090/mo
Today · 4.125%
HK$42,223
baseline
▲ 0.50% · 4.625%
HK$44,449
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,446/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,297
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,737
−HK$1,463/mo
Today · 4.125%
HK$49,200
baseline
▲ 0.50% · 4.625%
HK$52,193
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,400/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,504
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,886
−HK$1,401/mo
Today · 4.125%
HK$54,287
baseline
▲ 0.50% · 4.625%
HK$57,149
+HK$2,862/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,574/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,984 · Scale 2, in force from 26 Feb 2026)