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$25,730
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,530
−HK$813/mo
Today · 4.125%
HK$27,343
baseline
▲ 0.50% · 4.625%
HK$29,007
+HK$1,664/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,686/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,624
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,392
−HK$779/mo
Today · 4.125%
HK$30,171
baseline
▲ 0.50% · 4.625%
HK$31,761
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,342/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,876
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,836
−HK$976/mo
Today · 4.125%
HK$32,812
baseline
▲ 0.50% · 4.625%
HK$34,809
+HK$1,997/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,624/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,349
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,270
−HK$935/mo
Today · 4.125%
HK$36,205
baseline
▲ 0.50% · 4.625%
HK$38,113
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,410/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,022
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,142
−HK$1,139/mo
Today · 4.125%
HK$38,281
baseline
▲ 0.50% · 4.625%
HK$40,610
+HK$2,329/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,562/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,074
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,149
−HK$1,090/mo
Today · 4.125%
HK$42,239
baseline
▲ 0.50% · 4.625%
HK$44,466
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,478/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,314
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,755
−HK$1,463/mo
Today · 4.125%
HK$49,218
baseline
▲ 0.50% · 4.625%
HK$52,213
+HK$2,995/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,436/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,524
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,906
−HK$1,402/mo
Today · 4.125%
HK$54,308
baseline
▲ 0.50% · 4.625%
HK$57,170
+HK$2,862/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,616/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,144 · Scale 2, in force from 26 Feb 2026)