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$25,702
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,502
−HK$812/mo
Today · 4.125%
HK$27,314
baseline
▲ 0.50% · 4.625%
HK$28,976
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,628/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,593
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$778/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,727
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,842
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,802
−HK$975/mo
Today · 4.125%
HK$32,777
baseline
▲ 0.50% · 4.625%
HK$34,771
+HK$1,994/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,554/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,312
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,232
−HK$934/mo
Today · 4.125%
HK$36,166
baseline
▲ 0.50% · 4.625%
HK$38,072
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,332/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,983
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,102
−HK$1,137/mo
Today · 4.125%
HK$38,239
baseline
▲ 0.50% · 4.625%
HK$40,566
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,478/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,031
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,104
−HK$1,089/mo
Today · 4.125%
HK$42,193
baseline
▲ 0.50% · 4.625%
HK$44,417
+HK$2,224/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,386/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,264
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,703
−HK$1,462/mo
Today · 4.125%
HK$49,165
baseline
▲ 0.50% · 4.625%
HK$52,156
+HK$2,991/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,330/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,468
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,848
−HK$1,401/mo
Today · 4.125%
HK$54,249
baseline
▲ 0.50% · 4.625%
HK$57,108
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,498/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,684 · Scale 2, in force from 26 Feb 2026)