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$25,732
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,533
−HK$813/mo
Today · 4.125%
HK$27,346
baseline
▲ 0.50% · 4.625%
HK$29,010
+HK$1,664/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,692/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,627
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,394
−HK$779/mo
Today · 4.125%
HK$30,173
baseline
▲ 0.50% · 4.625%
HK$31,764
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,346/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,879
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,839
−HK$976/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,812
+HK$1,997/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,352
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,273
−HK$935/mo
Today · 4.125%
HK$36,208
baseline
▲ 0.50% · 4.625%
HK$38,117
+HK$1,909/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,416/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,025
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,146
−HK$1,138/mo
Today · 4.125%
HK$38,284
baseline
▲ 0.50% · 4.625%
HK$40,614
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,568/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,077
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,152
−HK$1,091/mo
Today · 4.125%
HK$42,243
baseline
▲ 0.50% · 4.625%
HK$44,469
+HK$2,226/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,486/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,318
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,759
−HK$1,463/mo
Today · 4.125%
HK$49,222
baseline
▲ 0.50% · 4.625%
HK$52,217
+HK$2,995/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,444/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,528
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,910
−HK$1,402/mo
Today · 4.125%
HK$54,312
baseline
▲ 0.50% · 4.625%
HK$57,175
+HK$2,863/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,624/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,178 · Scale 2, in force from 26 Feb 2026)