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$25,728
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,528
−HK$813/mo
Today · 4.125%
HK$27,341
baseline
▲ 0.50% · 4.625%
HK$29,005
+HK$1,664/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,682/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,622
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,390
−HK$779/mo
Today · 4.125%
HK$30,169
baseline
▲ 0.50% · 4.625%
HK$31,759
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,338/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,874
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,834
−HK$976/mo
Today · 4.125%
HK$32,810
baseline
▲ 0.50% · 4.625%
HK$34,806
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,620/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,347
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,268
−HK$934/mo
Today · 4.125%
HK$36,202
baseline
▲ 0.50% · 4.625%
HK$38,111
+HK$1,909/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,404/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,019
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,140
−HK$1,138/mo
Today · 4.125%
HK$38,278
baseline
▲ 0.50% · 4.625%
HK$40,607
+HK$2,329/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,556/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,071
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,146
−HK$1,090/mo
Today · 4.125%
HK$42,236
baseline
▲ 0.50% · 4.625%
HK$44,462
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,472/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,311
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,751
−HK$1,464/mo
Today · 4.125%
HK$49,215
baseline
▲ 0.50% · 4.625%
HK$52,209
+HK$2,994/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,430/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,520
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,902
−HK$1,401/mo
Today · 4.125%
HK$54,303
baseline
▲ 0.50% · 4.625%
HK$57,166
+HK$2,863/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,606/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,112 · Scale 2, in force from 26 Feb 2026)