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$1,610/mo
▼ 0.25% · 3.875%
HK$26,483
−HK$811/mo
Today · 4.125%
HK$27,294
baseline
▲ 0.50% · 4.625%
HK$28,955
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,588/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,573
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,339
−HK$777/mo
Today · 4.125%
HK$30,116
baseline
▲ 0.50% · 4.625%
HK$31,704
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,232/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,820
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,779
−HK$974/mo
Today · 4.125%
HK$32,753
baseline
▲ 0.50% · 4.625%
HK$34,746
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,506/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,287
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,207
−HK$933/mo
Today · 4.125%
HK$36,140
baseline
▲ 0.50% · 4.625%
HK$38,045
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,280/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,957
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,076
−HK$1,136/mo
Today · 4.125%
HK$38,212
baseline
▲ 0.50% · 4.625%
HK$40,537
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,424/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,002
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,075
−HK$1,088/mo
Today · 4.125%
HK$42,163
baseline
▲ 0.50% · 4.625%
HK$44,386
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,326/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,231
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,669
−HK$1,461/mo
Today · 4.125%
HK$49,130
baseline
▲ 0.50% · 4.625%
HK$52,119
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,260/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,431
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,810
−HK$1,400/mo
Today · 4.125%
HK$54,210
baseline
▲ 0.50% · 4.625%
HK$57,067
+HK$2,857/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,420/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,381 · Scale 2, in force from 26 Feb 2026)