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$25,691
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,490
−HK$812/mo
Today · 4.125%
HK$27,302
baseline
▲ 0.50% · 4.625%
HK$28,963
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,604/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,581
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,347
−HK$778/mo
Today · 4.125%
HK$30,125
baseline
▲ 0.50% · 4.625%
HK$31,713
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,250/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,829
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,788
−HK$974/mo
Today · 4.125%
HK$32,762
baseline
▲ 0.50% · 4.625%
HK$34,755
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,524/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,297
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,216
−HK$934/mo
Today · 4.125%
HK$36,150
baseline
▲ 0.50% · 4.625%
HK$38,055
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,300/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,967
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,086
−HK$1,136/mo
Today · 4.125%
HK$38,222
baseline
▲ 0.50% · 4.625%
HK$40,548
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,444/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,013
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,086
−HK$1,088/mo
Today · 4.125%
HK$42,174
baseline
▲ 0.50% · 4.625%
HK$44,398
+HK$2,224/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,348/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,243
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,681
−HK$1,462/mo
Today · 4.125%
HK$49,143
baseline
▲ 0.50% · 4.625%
HK$52,133
+HK$2,990/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,286/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,445
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,825
−HK$1,399/mo
Today · 4.125%
HK$54,224
baseline
▲ 0.50% · 4.625%
HK$57,083
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,448/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,496 · Scale 2, in force from 26 Feb 2026)