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$25,684
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,483
−HK$812/mo
Today · 4.125%
HK$27,295
baseline
▲ 0.50% · 4.625%
HK$28,956
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,590/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,574
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,340
−HK$777/mo
Today · 4.125%
HK$30,117
baseline
▲ 0.50% · 4.625%
HK$31,705
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,234/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,821
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,780
−HK$974/mo
Today · 4.125%
HK$32,754
baseline
▲ 0.50% · 4.625%
HK$34,747
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,508/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,288
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,208
−HK$933/mo
Today · 4.125%
HK$36,141
baseline
▲ 0.50% · 4.625%
HK$38,046
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,282/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,958
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,077
−HK$1,136/mo
Today · 4.125%
HK$38,213
baseline
▲ 0.50% · 4.625%
HK$40,538
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,426/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,003
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,076
−HK$1,088/mo
Today · 4.125%
HK$42,164
baseline
▲ 0.50% · 4.625%
HK$44,387
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,328/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,232
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,670
−HK$1,461/mo
Today · 4.125%
HK$49,131
baseline
▲ 0.50% · 4.625%
HK$52,120
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,262/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,432
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,812
−HK$1,399/mo
Today · 4.125%
HK$54,211
baseline
▲ 0.50% · 4.625%
HK$57,069
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,422/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,392 · Scale 2, in force from 26 Feb 2026)