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$25,622
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,419
−HK$810/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,886
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,504
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,269
−HK$775/mo
Today · 4.125%
HK$30,044
baseline
▲ 0.50% · 4.625%
HK$31,628
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,088/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,746
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,703
−HK$972/mo
Today · 4.125%
HK$32,675
baseline
▲ 0.50% · 4.625%
HK$34,663
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,350/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,205
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,123
−HK$930/mo
Today · 4.125%
HK$36,053
baseline
▲ 0.50% · 4.625%
HK$37,954
+HK$1,901/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,106/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,871
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,987
−HK$1,133/mo
Today · 4.125%
HK$38,120
baseline
▲ 0.50% · 4.625%
HK$40,440
+HK$2,320/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,240/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,906
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,976
−HK$1,086/mo
Today · 4.125%
HK$42,062
baseline
▲ 0.50% · 4.625%
HK$44,279
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,124/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,120
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,554
−HK$1,458/mo
Today · 4.125%
HK$49,012
baseline
▲ 0.50% · 4.625%
HK$51,994
+HK$2,982/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,024/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,308
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,684
−HK$1,396/mo
Today · 4.125%
HK$54,080
baseline
▲ 0.50% · 4.625%
HK$56,930
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,160/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,369 · Scale 2, in force from 26 Feb 2026)