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$28,964
+HK$1,662/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$422,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,581
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,348
−HK$777/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$422,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,829
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,788
−HK$975/mo
Today · 4.125%
HK$32,763
baseline
▲ 0.50% · 4.625%
HK$34,756
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,526/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,297
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,217
−HK$933/mo
Today · 4.125%
HK$36,150
baseline
▲ 0.50% · 4.625%
HK$38,056
+HK$1,906/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$422,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,968
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,086
−HK$1,137/mo
Today · 4.125%
HK$38,223
baseline
▲ 0.50% · 4.625%
HK$40,549
+HK$2,326/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,446/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,014
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,087
−HK$1,088/mo
Today · 4.125%
HK$42,175
baseline
▲ 0.50% · 4.625%
HK$44,399
+HK$2,224/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,350/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,244
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,683
−HK$1,461/mo
Today · 4.125%
HK$49,144
baseline
▲ 0.50% · 4.625%
HK$52,134
+HK$2,990/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,288/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,446
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,826
−HK$1,400/mo
Today · 4.125%
HK$54,226
baseline
▲ 0.50% · 4.625%
HK$57,084
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,452/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,506 · Scale 2, in force from 26 Feb 2026)