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$25,612
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,409
−HK$809/mo
Today · 4.125%
HK$27,218
baseline
▲ 0.50% · 4.625%
HK$28,874
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,436/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,493
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,257
−HK$775/mo
Today · 4.125%
HK$30,032
baseline
▲ 0.50% · 4.625%
HK$31,616
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,064/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,734
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,690
−HK$972/mo
Today · 4.125%
HK$32,662
baseline
▲ 0.50% · 4.625%
HK$34,649
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,324/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,192
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,109
−HK$930/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$37,939
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,857
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,972
−HK$1,133/mo
Today · 4.125%
HK$38,105
baseline
▲ 0.50% · 4.625%
HK$40,424
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,210/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,890
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,960
−HK$1,085/mo
Today · 4.125%
HK$42,045
baseline
▲ 0.50% · 4.625%
HK$44,262
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,090/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,102
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,536
−HK$1,457/mo
Today · 4.125%
HK$48,993
baseline
▲ 0.50% · 4.625%
HK$51,974
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,986/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,288
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,663
−HK$1,395/mo
Today · 4.125%
HK$54,058
baseline
▲ 0.50% · 4.625%
HK$56,908
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,116/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,203 · Scale 2, in force from 26 Feb 2026)