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$25,716
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,516
−HK$813/mo
Today · 4.125%
HK$27,329
baseline
▲ 0.50% · 4.625%
HK$28,992
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,658/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,609
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,376
−HK$779/mo
Today · 4.125%
HK$30,155
baseline
▲ 0.50% · 4.625%
HK$31,744
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,310/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,859
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,819
−HK$975/mo
Today · 4.125%
HK$32,794
baseline
▲ 0.50% · 4.625%
HK$34,790
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,588/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,331
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,251
−HK$934/mo
Today · 4.125%
HK$36,185
baseline
▲ 0.50% · 4.625%
HK$38,093
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,370/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,002
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,122
−HK$1,138/mo
Today · 4.125%
HK$38,260
baseline
▲ 0.50% · 4.625%
HK$40,588
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,520/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,052
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,127
−HK$1,089/mo
Today · 4.125%
HK$42,216
baseline
▲ 0.50% · 4.625%
HK$44,442
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,432/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,289
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,729
−HK$1,463/mo
Today · 4.125%
HK$49,192
baseline
▲ 0.50% · 4.625%
HK$52,185
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,384/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,496
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,877
−HK$1,401/mo
Today · 4.125%
HK$54,278
baseline
▲ 0.50% · 4.625%
HK$57,139
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,556/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,914 · Scale 2, in force from 26 Feb 2026)