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$25,710
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,510
−HK$812/mo
Today · 4.125%
HK$27,322
baseline
▲ 0.50% · 4.625%
HK$28,985
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,644/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,602
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,369
−HK$778/mo
Today · 4.125%
HK$30,147
baseline
▲ 0.50% · 4.625%
HK$31,736
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,294/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,852
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,812
−HK$975/mo
Today · 4.125%
HK$32,787
baseline
▲ 0.50% · 4.625%
HK$34,782
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,574/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,322
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,243
−HK$934/mo
Today · 4.125%
HK$36,177
baseline
▲ 0.50% · 4.625%
HK$38,084
+HK$1,907/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,354/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,994
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,113
−HK$1,138/mo
Today · 4.125%
HK$38,251
baseline
▲ 0.50% · 4.625%
HK$40,578
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,502/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,043
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,117
−HK$1,089/mo
Today · 4.125%
HK$42,206
baseline
▲ 0.50% · 4.625%
HK$44,431
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,412/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,278
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,717
−HK$1,463/mo
Today · 4.125%
HK$49,180
baseline
▲ 0.50% · 4.625%
HK$52,172
+HK$2,992/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,360/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,484
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,864
−HK$1,401/mo
Today · 4.125%
HK$54,265
baseline
▲ 0.50% · 4.625%
HK$57,125
+HK$2,860/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,530/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,813 · Scale 2, in force from 26 Feb 2026)