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$25,703
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,502
−HK$813/mo
Today · 4.125%
HK$27,315
baseline
▲ 0.50% · 4.625%
HK$28,977
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,630/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,594
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,361
−HK$778/mo
Today · 4.125%
HK$30,139
baseline
▲ 0.50% · 4.625%
HK$31,728
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,278/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,843
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,803
−HK$974/mo
Today · 4.125%
HK$32,777
baseline
▲ 0.50% · 4.625%
HK$34,772
+HK$1,995/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$422,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,313
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,233
−HK$934/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,073
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,984
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,103
−HK$1,137/mo
Today · 4.125%
HK$38,240
baseline
▲ 0.50% · 4.625%
HK$40,567
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,480/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,032
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,105
−HK$1,089/mo
Today · 4.125%
HK$42,194
baseline
▲ 0.50% · 4.625%
HK$44,419
+HK$2,225/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,388/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,265
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,704
−HK$1,462/mo
Today · 4.125%
HK$49,166
baseline
▲ 0.50% · 4.625%
HK$52,158
+HK$2,992/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,332/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,469
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,850
−HK$1,400/mo
Today · 4.125%
HK$54,250
baseline
▲ 0.50% · 4.625%
HK$57,110
+HK$2,860/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,500/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,695 · Scale 2, in force from 26 Feb 2026)