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$25,712
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$812/mo
Today · 4.125%
HK$27,324
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,648/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,604
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,371
−HK$779/mo
Today · 4.125%
HK$30,150
baseline
▲ 0.50% · 4.625%
HK$31,739
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,300/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,854
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,814
−HK$975/mo
Today · 4.125%
HK$32,789
baseline
▲ 0.50% · 4.625%
HK$34,784
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,578/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,325
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,246
−HK$933/mo
Today · 4.125%
HK$36,179
baseline
▲ 0.50% · 4.625%
HK$38,087
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,358/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,997
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,116
−HK$1,138/mo
Today · 4.125%
HK$38,254
baseline
▲ 0.50% · 4.625%
HK$40,582
+HK$2,328/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,508/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,046
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,120
−HK$1,089/mo
Today · 4.125%
HK$42,209
baseline
▲ 0.50% · 4.625%
HK$44,434
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,418/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,281
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,721
−HK$1,463/mo
Today · 4.125%
HK$49,184
baseline
▲ 0.50% · 4.625%
HK$52,176
+HK$2,992/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,368/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,487
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,868
−HK$1,401/mo
Today · 4.125%
HK$54,269
baseline
▲ 0.50% · 4.625%
HK$57,130
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,538/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,845 · Scale 2, in force from 26 Feb 2026)