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$25,694
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,493
−HK$812/mo
Today · 4.125%
HK$27,305
baseline
▲ 0.50% · 4.625%
HK$28,967
+HK$1,662/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,610/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,584
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,351
−HK$778/mo
Today · 4.125%
HK$30,129
baseline
▲ 0.50% · 4.625%
HK$31,717
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,258/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,833
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,792
−HK$974/mo
Today · 4.125%
HK$32,766
baseline
▲ 0.50% · 4.625%
HK$34,760
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,532/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,301
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,221
−HK$933/mo
Today · 4.125%
HK$36,154
baseline
▲ 0.50% · 4.625%
HK$38,060
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,308/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,972
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,090
−HK$1,137/mo
Today · 4.125%
HK$38,227
baseline
▲ 0.50% · 4.625%
HK$40,553
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,454/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,018
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,091
−HK$1,089/mo
Today · 4.125%
HK$42,180
baseline
▲ 0.50% · 4.625%
HK$44,403
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,360/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,249
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,688
−HK$1,461/mo
Today · 4.125%
HK$49,149
baseline
▲ 0.50% · 4.625%
HK$52,140
+HK$2,991/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,298/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,452
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,832
−HK$1,399/mo
Today · 4.125%
HK$54,231
baseline
▲ 0.50% · 4.625%
HK$57,090
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,462/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,551 · Scale 2, in force from 26 Feb 2026)