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$25,602
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,398
−HK$809/mo
Today · 4.125%
HK$27,207
baseline
▲ 0.50% · 4.625%
HK$28,863
+HK$1,656/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,414/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$421,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,482
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,246
−HK$774/mo
Today · 4.125%
HK$30,020
baseline
▲ 0.50% · 4.625%
HK$31,603
+HK$1,583/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,040/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$421,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,722
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,678
−HK$971/mo
Today · 4.125%
HK$32,649
baseline
▲ 0.50% · 4.625%
HK$34,635
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,298/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,178
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,095
−HK$930/mo
Today · 4.125%
HK$36,025
baseline
▲ 0.50% · 4.625%
HK$37,923
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,050/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,842
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,957
−HK$1,133/mo
Today · 4.125%
HK$38,090
baseline
▲ 0.50% · 4.625%
HK$40,408
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,180/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,874
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,944
−HK$1,085/mo
Today · 4.125%
HK$42,029
baseline
▲ 0.50% · 4.625%
HK$44,244
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,058/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,083
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,517
−HK$1,456/mo
Today · 4.125%
HK$48,973
baseline
▲ 0.50% · 4.625%
HK$51,953
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,946/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,267
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,642
−HK$1,395/mo
Today · 4.125%
HK$54,037
baseline
▲ 0.50% · 4.625%
HK$56,885
+HK$2,848/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,074/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,034 · Scale 2, in force from 26 Feb 2026)