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$25,700
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,499
−HK$812/mo
Today · 4.125%
HK$27,311
baseline
▲ 0.50% · 4.625%
HK$28,973
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,622/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,591
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,358
−HK$777/mo
Today · 4.125%
HK$30,135
baseline
▲ 0.50% · 4.625%
HK$31,724
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,270/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,840
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,799
−HK$975/mo
Today · 4.125%
HK$32,774
baseline
▲ 0.50% · 4.625%
HK$34,768
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,548/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,309
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,229
−HK$934/mo
Today · 4.125%
HK$36,163
baseline
▲ 0.50% · 4.625%
HK$38,069
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,326/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,980
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,099
−HK$1,137/mo
Today · 4.125%
HK$38,236
baseline
▲ 0.50% · 4.625%
HK$40,563
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,472/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,027
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,101
−HK$1,089/mo
Today · 4.125%
HK$42,190
baseline
▲ 0.50% · 4.625%
HK$44,413
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,380/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,260
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,699
−HK$1,462/mo
Today · 4.125%
HK$49,161
baseline
▲ 0.50% · 4.625%
HK$52,152
+HK$2,991/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,322/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,463
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,844
−HK$1,400/mo
Today · 4.125%
HK$54,244
baseline
▲ 0.50% · 4.625%
HK$57,103
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,488/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,647 · Scale 2, in force from 26 Feb 2026)