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$25,693
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,493
−HK$811/mo
Today · 4.125%
HK$27,304
baseline
▲ 0.50% · 4.625%
HK$28,966
+HK$1,662/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,608/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,584
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,350
−HK$778/mo
Today · 4.125%
HK$30,128
baseline
▲ 0.50% · 4.625%
HK$31,716
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,256/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,832
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,791
−HK$974/mo
Today · 4.125%
HK$32,765
baseline
▲ 0.50% · 4.625%
HK$34,759
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,530/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,300
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,220
−HK$933/mo
Today · 4.125%
HK$36,153
baseline
▲ 0.50% · 4.625%
HK$38,059
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,306/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,971
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,090
−HK$1,136/mo
Today · 4.125%
HK$38,226
baseline
▲ 0.50% · 4.625%
HK$40,552
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,452/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,017
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,090
−HK$1,089/mo
Today · 4.125%
HK$42,179
baseline
▲ 0.50% · 4.625%
HK$44,402
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,358/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,248
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,687
−HK$1,461/mo
Today · 4.125%
HK$49,148
baseline
▲ 0.50% · 4.625%
HK$52,139
+HK$2,991/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,296/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,450
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,830
−HK$1,400/mo
Today · 4.125%
HK$54,230
baseline
▲ 0.50% · 4.625%
HK$57,089
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,460/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,540 · Scale 2, in force from 26 Feb 2026)