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$25,692
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,491
−HK$812/mo
Today · 4.125%
HK$27,303
baseline
▲ 0.50% · 4.625%
HK$28,964
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,606/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,582
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,348
−HK$778/mo
Today · 4.125%
HK$30,126
baseline
▲ 0.50% · 4.625%
HK$31,714
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,252/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,830
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,789
−HK$974/mo
Today · 4.125%
HK$32,763
baseline
▲ 0.50% · 4.625%
HK$34,757
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,526/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,298
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,218
−HK$933/mo
Today · 4.125%
HK$36,151
baseline
▲ 0.50% · 4.625%
HK$38,057
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,302/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,968
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,087
−HK$1,137/mo
Today · 4.125%
HK$38,224
baseline
▲ 0.50% · 4.625%
HK$40,550
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,448/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,014
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,087
−HK$1,089/mo
Today · 4.125%
HK$42,176
baseline
▲ 0.50% · 4.625%
HK$44,399
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,352/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,245
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,683
−HK$1,462/mo
Today · 4.125%
HK$49,145
baseline
▲ 0.50% · 4.625%
HK$52,135
+HK$2,990/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,290/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,447
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,827
−HK$1,399/mo
Today · 4.125%
HK$54,226
baseline
▲ 0.50% · 4.625%
HK$57,085
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,452/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,512 · Scale 2, in force from 26 Feb 2026)