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$25,683
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,481
−HK$812/mo
Today · 4.125%
HK$27,293
baseline
▲ 0.50% · 4.625%
HK$28,954
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,586/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,572
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,338
−HK$777/mo
Today · 4.125%
HK$30,115
baseline
▲ 0.50% · 4.625%
HK$31,703
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,230/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,819
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,778
−HK$974/mo
Today · 4.125%
HK$32,752
baseline
▲ 0.50% · 4.625%
HK$34,744
+HK$1,992/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,504/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,286
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,205
−HK$933/mo
Today · 4.125%
HK$36,138
baseline
▲ 0.50% · 4.625%
HK$38,043
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,276/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,956
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,074
−HK$1,136/mo
Today · 4.125%
HK$38,210
baseline
▲ 0.50% · 4.625%
HK$40,535
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,420/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,000
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,073
−HK$1,088/mo
Today · 4.125%
HK$42,161
baseline
▲ 0.50% · 4.625%
HK$44,384
+HK$2,223/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,322/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,229
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,666
−HK$1,461/mo
Today · 4.125%
HK$49,127
baseline
▲ 0.50% · 4.625%
HK$52,117
+HK$2,990/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,254/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,429
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,808
−HK$1,399/mo
Today · 4.125%
HK$54,207
baseline
▲ 0.50% · 4.625%
HK$57,065
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,414/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,363 · Scale 2, in force from 26 Feb 2026)