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$25,703
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,503
−HK$812/mo
Today · 4.125%
HK$27,315
baseline
▲ 0.50% · 4.625%
HK$28,977
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,630/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,595
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,362
−HK$778/mo
Today · 4.125%
HK$30,140
baseline
▲ 0.50% · 4.625%
HK$31,728
+HK$1,588/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,280/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,844
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,803
−HK$975/mo
Today · 4.125%
HK$32,778
baseline
▲ 0.50% · 4.625%
HK$34,773
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,556/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,314
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,234
−HK$933/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,074
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,985
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,104
−HK$1,137/mo
Today · 4.125%
HK$38,241
baseline
▲ 0.50% · 4.625%
HK$40,568
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,482/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,033
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,106
−HK$1,089/mo
Today · 4.125%
HK$42,195
baseline
▲ 0.50% · 4.625%
HK$44,420
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,390/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,266
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,705
−HK$1,462/mo
Today · 4.125%
HK$49,167
baseline
▲ 0.50% · 4.625%
HK$52,159
+HK$2,992/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,334/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,470
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,851
−HK$1,400/mo
Today · 4.125%
HK$54,251
baseline
▲ 0.50% · 4.625%
HK$57,111
+HK$2,860/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,502/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,705 · Scale 2, in force from 26 Feb 2026)