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$25,719
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,519
−HK$813/mo
Today · 4.125%
HK$27,332
baseline
▲ 0.50% · 4.625%
HK$28,995
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,664/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,613
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,380
−HK$778/mo
Today · 4.125%
HK$30,158
baseline
▲ 0.50% · 4.625%
HK$31,748
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,316/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,863
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$976/mo
Today · 4.125%
HK$32,799
baseline
▲ 0.50% · 4.625%
HK$34,794
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,598/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,335
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,256
−HK$934/mo
Today · 4.125%
HK$36,190
baseline
▲ 0.50% · 4.625%
HK$38,098
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,380/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,007
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,127
−HK$1,138/mo
Today · 4.125%
HK$38,265
baseline
▲ 0.50% · 4.625%
HK$40,594
+HK$2,329/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,530/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,058
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,132
−HK$1,090/mo
Today · 4.125%
HK$42,222
baseline
▲ 0.50% · 4.625%
HK$44,447
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,444/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,295
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,735
−HK$1,463/mo
Today · 4.125%
HK$49,198
baseline
▲ 0.50% · 4.625%
HK$52,192
+HK$2,994/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,396/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,503
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,884
−HK$1,401/mo
Today · 4.125%
HK$54,285
baseline
▲ 0.50% · 4.625%
HK$57,147
+HK$2,862/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,570/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,970 · Scale 2, in force from 26 Feb 2026)