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$25,727
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,528
−HK$813/mo
Today · 4.125%
HK$27,341
baseline
▲ 0.50% · 4.625%
HK$29,004
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,682/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,622
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,389
−HK$779/mo
Today · 4.125%
HK$30,168
baseline
▲ 0.50% · 4.625%
HK$31,758
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,336/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,873
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,833
−HK$976/mo
Today · 4.125%
HK$32,809
baseline
▲ 0.50% · 4.625%
HK$34,805
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,618/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,346
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,267
−HK$934/mo
Today · 4.125%
HK$36,201
baseline
▲ 0.50% · 4.625%
HK$38,110
+HK$1,909/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,402/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,018
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,139
−HK$1,138/mo
Today · 4.125%
HK$38,277
baseline
▲ 0.50% · 4.625%
HK$40,606
+HK$2,329/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,554/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,070
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,145
−HK$1,090/mo
Today · 4.125%
HK$42,235
baseline
▲ 0.50% · 4.625%
HK$44,461
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,470/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,309
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,750
−HK$1,463/mo
Today · 4.125%
HK$49,213
baseline
▲ 0.50% · 4.625%
HK$52,208
+HK$2,995/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,426/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,519
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,900
−HK$1,402/mo
Today · 4.125%
HK$54,302
baseline
▲ 0.50% · 4.625%
HK$57,164
+HK$2,862/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,604/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,102 · Scale 2, in force from 26 Feb 2026)