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$25,699
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,498
−HK$812/mo
Today · 4.125%
HK$27,310
baseline
▲ 0.50% · 4.625%
HK$28,972
+HK$1,662/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,620/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,590
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,356
−HK$778/mo
Today · 4.125%
HK$30,134
baseline
▲ 0.50% · 4.625%
HK$31,723
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,268/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,839
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,798
−HK$974/mo
Today · 4.125%
HK$32,772
baseline
▲ 0.50% · 4.625%
HK$34,767
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,544/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,308
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,228
−HK$933/mo
Today · 4.125%
HK$36,161
baseline
▲ 0.50% · 4.625%
HK$38,067
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,322/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,978
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,097
−HK$1,137/mo
Today · 4.125%
HK$38,234
baseline
▲ 0.50% · 4.625%
HK$40,561
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,468/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,026
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,099
−HK$1,089/mo
Today · 4.125%
HK$42,188
baseline
▲ 0.50% · 4.625%
HK$44,412
+HK$2,224/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,376/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,258
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,697
−HK$1,462/mo
Today · 4.125%
HK$49,159
baseline
▲ 0.50% · 4.625%
HK$52,150
+HK$2,991/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,318/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,461
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,842
−HK$1,400/mo
Today · 4.125%
HK$54,242
baseline
▲ 0.50% · 4.625%
HK$57,101
+HK$2,859/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,484/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,630 · Scale 2, in force from 26 Feb 2026)