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$25,725
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,525
−HK$813/mo
Today · 4.125%
HK$27,338
baseline
▲ 0.50% · 4.625%
HK$29,002
+HK$1,664/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,676/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,619
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,387
−HK$778/mo
Today · 4.125%
HK$30,165
baseline
▲ 0.50% · 4.625%
HK$31,755
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,330/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,870
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,831
−HK$975/mo
Today · 4.125%
HK$32,806
baseline
▲ 0.50% · 4.625%
HK$34,802
+HK$1,996/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,612/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,343
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,264
−HK$934/mo
Today · 4.125%
HK$36,198
baseline
▲ 0.50% · 4.625%
HK$38,106
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,396/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,015
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,136
−HK$1,138/mo
Today · 4.125%
HK$38,274
baseline
▲ 0.50% · 4.625%
HK$40,603
+HK$2,329/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$76,548/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,067
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,141
−HK$1,090/mo
Today · 4.125%
HK$42,231
baseline
▲ 0.50% · 4.625%
HK$44,457
+HK$2,226/mo
Deposit HK$3.38M · loan HK$7.90M · min. income ≈ HK$84,462/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,305
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,746
−HK$1,463/mo
Today · 4.125%
HK$49,209
baseline
▲ 0.50% · 4.625%
HK$52,203
+HK$2,994/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,418/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,514
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,896
−HK$1,401/mo
Today · 4.125%
HK$54,297
baseline
▲ 0.50% · 4.625%
HK$57,160
+HK$2,863/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,594/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,065 · Scale 2, in force from 26 Feb 2026)