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$25,685
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,484
−HK$812/mo
Today · 4.125%
HK$27,296
baseline
▲ 0.50% · 4.625%
HK$28,957
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,592/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,574
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,341
−HK$777/mo
Today · 4.125%
HK$30,118
baseline
▲ 0.50% · 4.625%
HK$31,706
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,236/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,822
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$974/mo
Today · 4.125%
HK$32,755
baseline
▲ 0.50% · 4.625%
HK$34,748
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,510/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,289
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,209
−HK$933/mo
Today · 4.125%
HK$36,142
baseline
▲ 0.50% · 4.625%
HK$38,047
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,284/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,959
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,078
−HK$1,136/mo
Today · 4.125%
HK$38,214
baseline
▲ 0.50% · 4.625%
HK$40,539
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,428/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,004
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,077
−HK$1,089/mo
Today · 4.125%
HK$42,166
baseline
▲ 0.50% · 4.625%
HK$44,388
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,332/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,233
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,671
−HK$1,462/mo
Today · 4.125%
HK$49,133
baseline
▲ 0.50% · 4.625%
HK$52,122
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,266/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,434
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,814
−HK$1,399/mo
Today · 4.125%
HK$54,213
baseline
▲ 0.50% · 4.625%
HK$57,071
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,426/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,406 · Scale 2, in force from 26 Feb 2026)