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$25,701
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,500
−HK$812/mo
Today · 4.125%
HK$27,312
baseline
▲ 0.50% · 4.625%
HK$28,974
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,624/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,592
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,359
−HK$777/mo
Today · 4.125%
HK$30,136
baseline
▲ 0.50% · 4.625%
HK$31,725
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,272/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,841
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,800
−HK$975/mo
Today · 4.125%
HK$32,775
baseline
▲ 0.50% · 4.625%
HK$34,769
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,550/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,310
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,230
−HK$934/mo
Today · 4.125%
HK$36,164
baseline
▲ 0.50% · 4.625%
HK$38,070
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,328/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,981
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,100
−HK$1,137/mo
Today · 4.125%
HK$38,237
baseline
▲ 0.50% · 4.625%
HK$40,564
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,474/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,028
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,102
−HK$1,089/mo
Today · 4.125%
HK$42,191
baseline
▲ 0.50% · 4.625%
HK$44,415
+HK$2,224/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,382/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,261
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,700
−HK$1,462/mo
Today · 4.125%
HK$49,162
baseline
▲ 0.50% · 4.625%
HK$52,154
+HK$2,992/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,324/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,465
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,845
−HK$1,401/mo
Today · 4.125%
HK$54,246
baseline
▲ 0.50% · 4.625%
HK$57,105
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,492/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,661 · Scale 2, in force from 26 Feb 2026)