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$25,692
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,491
−HK$812/mo
Today · 4.125%
HK$27,303
baseline
▲ 0.50% · 4.625%
HK$28,965
+HK$1,662/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,606/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,582
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,349
−HK$778/mo
Today · 4.125%
HK$30,127
baseline
▲ 0.50% · 4.625%
HK$31,715
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,254/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,831
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,790
−HK$974/mo
Today · 4.125%
HK$32,764
baseline
▲ 0.50% · 4.625%
HK$34,758
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,528/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,299
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,219
−HK$933/mo
Today · 4.125%
HK$36,152
baseline
▲ 0.50% · 4.625%
HK$38,058
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,304/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,969
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,088
−HK$1,137/mo
Today · 4.125%
HK$38,225
baseline
▲ 0.50% · 4.625%
HK$40,551
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,450/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,015
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,088
−HK$1,089/mo
Today · 4.125%
HK$42,177
baseline
▲ 0.50% · 4.625%
HK$44,400
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,354/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,246
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,685
−HK$1,461/mo
Today · 4.125%
HK$49,146
baseline
▲ 0.50% · 4.625%
HK$52,136
+HK$2,990/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,292/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,448
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,828
−HK$1,400/mo
Today · 4.125%
HK$54,228
baseline
▲ 0.50% · 4.625%
HK$57,086
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,456/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,523 · Scale 2, in force from 26 Feb 2026)