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$25,685
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,484
−HK$811/mo
Today · 4.125%
HK$27,295
baseline
▲ 0.50% · 4.625%
HK$28,956
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,590/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,574
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,340
−HK$778/mo
Today · 4.125%
HK$30,118
baseline
▲ 0.50% · 4.625%
HK$31,705
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,236/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,822
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,780
−HK$974/mo
Today · 4.125%
HK$32,754
baseline
▲ 0.50% · 4.625%
HK$34,747
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,508/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,289
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,208
−HK$933/mo
Today · 4.125%
HK$36,141
baseline
▲ 0.50% · 4.625%
HK$38,046
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,282/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,959
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,077
−HK$1,136/mo
Today · 4.125%
HK$38,213
baseline
▲ 0.50% · 4.625%
HK$40,539
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,426/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,004
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,076
−HK$1,089/mo
Today · 4.125%
HK$42,165
baseline
▲ 0.50% · 4.625%
HK$44,387
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,330/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,232
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,671
−HK$1,461/mo
Today · 4.125%
HK$49,132
baseline
▲ 0.50% · 4.625%
HK$52,121
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,264/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,433
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,813
−HK$1,399/mo
Today · 4.125%
HK$54,212
baseline
▲ 0.50% · 4.625%
HK$57,070
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,424/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,399 · Scale 2, in force from 26 Feb 2026)