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$25,719
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,519
−HK$813/mo
Today · 4.125%
HK$27,332
baseline
▲ 0.50% · 4.625%
HK$28,995
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,664/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,612
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,379
−HK$779/mo
Today · 4.125%
HK$30,158
baseline
▲ 0.50% · 4.625%
HK$31,748
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,316/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,863
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$975/mo
Today · 4.125%
HK$32,798
baseline
▲ 0.50% · 4.625%
HK$34,794
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,596/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,335
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,255
−HK$935/mo
Today · 4.125%
HK$36,190
baseline
▲ 0.50% · 4.625%
HK$38,097
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,380/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,007
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,127
−HK$1,138/mo
Today · 4.125%
HK$38,265
baseline
▲ 0.50% · 4.625%
HK$40,593
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,530/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,057
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,131
−HK$1,090/mo
Today · 4.125%
HK$42,221
baseline
▲ 0.50% · 4.625%
HK$44,447
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,442/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,294
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,734
−HK$1,463/mo
Today · 4.125%
HK$49,197
baseline
▲ 0.50% · 4.625%
HK$52,191
+HK$2,994/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,394/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,502
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,883
−HK$1,401/mo
Today · 4.125%
HK$54,284
baseline
▲ 0.50% · 4.625%
HK$57,146
+HK$2,862/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,568/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,963 · Scale 2, in force from 26 Feb 2026)