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$25,737
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,537
−HK$814/mo
Today · 4.125%
HK$27,351
baseline
▲ 0.50% · 4.625%
HK$29,015
+HK$1,664/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,702/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,632
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,400
−HK$779/mo
Today · 4.125%
HK$30,179
baseline
▲ 0.50% · 4.625%
HK$31,770
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,358/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,884
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,845
−HK$976/mo
Today · 4.125%
HK$32,821
baseline
▲ 0.50% · 4.625%
HK$34,818
+HK$1,997/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,642/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,358
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,280
−HK$935/mo
Today · 4.125%
HK$36,215
baseline
▲ 0.50% · 4.625%
HK$38,124
+HK$1,909/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,430/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,032
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,152
−HK$1,139/mo
Today · 4.125%
HK$38,291
baseline
▲ 0.50% · 4.625%
HK$40,621
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,582/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,085
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,160
−HK$1,091/mo
Today · 4.125%
HK$42,251
baseline
▲ 0.50% · 4.625%
HK$44,478
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,502/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,326
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,767
−HK$1,465/mo
Today · 4.125%
HK$49,232
baseline
▲ 0.50% · 4.625%
HK$52,227
+HK$2,995/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,464/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,538
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,920
−HK$1,402/mo
Today · 4.125%
HK$54,322
baseline
▲ 0.50% · 4.625%
HK$57,186
+HK$2,864/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,644/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,257 · Scale 2, in force from 26 Feb 2026)