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$25,735
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,535
−HK$813/mo
Today · 4.125%
HK$27,348
baseline
▲ 0.50% · 4.625%
HK$29,012
+HK$1,664/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,696/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,629
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,397
−HK$779/mo
Today · 4.125%
HK$30,176
baseline
▲ 0.50% · 4.625%
HK$31,767
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,352/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,881
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,842
−HK$976/mo
Today · 4.125%
HK$32,818
baseline
▲ 0.50% · 4.625%
HK$34,815
+HK$1,997/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,636/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,355
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,277
−HK$934/mo
Today · 4.125%
HK$36,211
baseline
▲ 0.50% · 4.625%
HK$38,120
+HK$1,909/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,422/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,028
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,149
−HK$1,139/mo
Today · 4.125%
HK$38,288
baseline
▲ 0.50% · 4.625%
HK$40,617
+HK$2,329/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,576/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,081
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,156
−HK$1,091/mo
Today · 4.125%
HK$42,247
baseline
▲ 0.50% · 4.625%
HK$44,474
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,494/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,322
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,763
−HK$1,464/mo
Today · 4.125%
HK$49,227
baseline
▲ 0.50% · 4.625%
HK$52,222
+HK$2,995/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,454/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,533
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,915
−HK$1,402/mo
Today · 4.125%
HK$54,317
baseline
▲ 0.50% · 4.625%
HK$57,180
+HK$2,863/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,634/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,218 · Scale 2, in force from 26 Feb 2026)