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$25,686
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,485
−HK$811/mo
Today · 4.125%
HK$27,296
baseline
▲ 0.50% · 4.625%
HK$28,957
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,592/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,575
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,341
−HK$778/mo
Today · 4.125%
HK$30,119
baseline
▲ 0.50% · 4.625%
HK$31,706
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,238/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,823
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$975/mo
Today · 4.125%
HK$32,756
baseline
▲ 0.50% · 4.625%
HK$34,749
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,512/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,290
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,210
−HK$933/mo
Today · 4.125%
HK$36,143
baseline
▲ 0.50% · 4.625%
HK$38,048
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,286/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,960
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,078
−HK$1,137/mo
Today · 4.125%
HK$38,215
baseline
▲ 0.50% · 4.625%
HK$40,540
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,430/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,005
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,078
−HK$1,088/mo
Today · 4.125%
HK$42,166
baseline
▲ 0.50% · 4.625%
HK$44,389
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,332/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,234
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,672
−HK$1,461/mo
Today · 4.125%
HK$49,133
baseline
▲ 0.50% · 4.625%
HK$52,123
+HK$2,990/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,266/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,435
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,814
−HK$1,400/mo
Today · 4.125%
HK$54,214
baseline
▲ 0.50% · 4.625%
HK$57,072
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,428/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,414 · Scale 2, in force from 26 Feb 2026)