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$25,706
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,506
−HK$812/mo
Today · 4.125%
HK$27,318
baseline
▲ 0.50% · 4.625%
HK$28,981
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,636/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,598
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,365
−HK$778/mo
Today · 4.125%
HK$30,143
baseline
▲ 0.50% · 4.625%
HK$31,732
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,286/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,848
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,807
−HK$975/mo
Today · 4.125%
HK$32,782
baseline
▲ 0.50% · 4.625%
HK$34,777
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,564/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,318
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,238
−HK$934/mo
Today · 4.125%
HK$36,172
baseline
▲ 0.50% · 4.625%
HK$38,078
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,344/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,989
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,108
−HK$1,138/mo
Today · 4.125%
HK$38,246
baseline
▲ 0.50% · 4.625%
HK$40,573
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,492/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,037
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,111
−HK$1,089/mo
Today · 4.125%
HK$42,200
baseline
▲ 0.50% · 4.625%
HK$44,425
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,400/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,271
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,711
−HK$1,462/mo
Today · 4.125%
HK$49,173
baseline
▲ 0.50% · 4.625%
HK$52,165
+HK$2,992/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,346/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,476
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,857
−HK$1,401/mo
Today · 4.125%
HK$54,258
baseline
▲ 0.50% · 4.625%
HK$57,118
+HK$2,860/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,516/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,754 · Scale 2, in force from 26 Feb 2026)