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$25,616
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,413
−HK$809/mo
Today · 4.125%
HK$27,222
baseline
▲ 0.50% · 4.625%
HK$28,879
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,444/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,498
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,262
−HK$775/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,621
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,739
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,695
−HK$972/mo
Today · 4.125%
HK$32,667
baseline
▲ 0.50% · 4.625%
HK$34,655
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,334/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,197
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,114
−HK$931/mo
Today · 4.125%
HK$36,045
baseline
▲ 0.50% · 4.625%
HK$37,945
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,090/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,863
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,978
−HK$1,133/mo
Today · 4.125%
HK$38,111
baseline
▲ 0.50% · 4.625%
HK$40,430
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,222/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,897
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,967
−HK$1,085/mo
Today · 4.125%
HK$42,052
baseline
▲ 0.50% · 4.625%
HK$44,269
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,104/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,109
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,543
−HK$1,457/mo
Today · 4.125%
HK$49,000
baseline
▲ 0.50% · 4.625%
HK$51,982
+HK$2,982/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,000/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,296
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,671
−HK$1,396/mo
Today · 4.125%
HK$54,067
baseline
▲ 0.50% · 4.625%
HK$56,917
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,134/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,270 · Scale 2, in force from 26 Feb 2026)