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$25,721
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,521
−HK$813/mo
Today · 4.125%
HK$27,334
baseline
▲ 0.50% · 4.625%
HK$28,997
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,668/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,614
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,382
−HK$778/mo
Today · 4.125%
HK$30,160
baseline
▲ 0.50% · 4.625%
HK$31,750
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,320/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,865
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,825
−HK$975/mo
Today · 4.125%
HK$32,800
baseline
▲ 0.50% · 4.625%
HK$34,796
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,600/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,337
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,258
−HK$934/mo
Today · 4.125%
HK$36,192
baseline
▲ 0.50% · 4.625%
HK$38,100
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,384/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,009
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,129
−HK$1,138/mo
Today · 4.125%
HK$38,267
baseline
▲ 0.50% · 4.625%
HK$40,596
+HK$2,329/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,534/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,060
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,134
−HK$1,090/mo
Today · 4.125%
HK$42,224
baseline
▲ 0.50% · 4.625%
HK$44,450
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,448/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,297
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,738
−HK$1,463/mo
Today · 4.125%
HK$49,201
baseline
▲ 0.50% · 4.625%
HK$52,194
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,402/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,505
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,887
−HK$1,401/mo
Today · 4.125%
HK$54,288
baseline
▲ 0.50% · 4.625%
HK$57,150
+HK$2,862/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,576/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,992 · Scale 2, in force from 26 Feb 2026)