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$25,606
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,402
−HK$809/mo
Today · 4.125%
HK$27,211
baseline
▲ 0.50% · 4.625%
HK$28,867
+HK$1,656/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,422/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,486
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,250
−HK$775/mo
Today · 4.125%
HK$30,025
baseline
▲ 0.50% · 4.625%
HK$31,608
+HK$1,583/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,050/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,727
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,682
−HK$972/mo
Today · 4.125%
HK$32,654
baseline
▲ 0.50% · 4.625%
HK$34,640
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,308/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,183
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,100
−HK$930/mo
Today · 4.125%
HK$36,030
baseline
▲ 0.50% · 4.625%
HK$37,929
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,060/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,848
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,963
−HK$1,133/mo
Today · 4.125%
HK$38,096
baseline
▲ 0.50% · 4.625%
HK$40,414
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,192/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,880
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,950
−HK$1,085/mo
Today · 4.125%
HK$42,035
baseline
▲ 0.50% · 4.625%
HK$44,251
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,070/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,090
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,524
−HK$1,456/mo
Today · 4.125%
HK$48,980
baseline
▲ 0.50% · 4.625%
HK$51,961
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,960/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,275
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,650
−HK$1,395/mo
Today · 4.125%
HK$54,045
baseline
▲ 0.50% · 4.625%
HK$56,894
+HK$2,849/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,090/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,098 · Scale 2, in force from 26 Feb 2026)