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$25,584
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,380
−HK$808/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,843
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,462
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,225
−HK$775/mo
Today · 4.125%
HK$30,000
baseline
▲ 0.50% · 4.625%
HK$31,581
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,000/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,701
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,656
−HK$970/mo
Today · 4.125%
HK$32,626
baseline
▲ 0.50% · 4.625%
HK$34,611
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,252/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,154
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,070
−HK$930/mo
Today · 4.125%
HK$36,000
baseline
▲ 0.50% · 4.625%
HK$37,897
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,000/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,818
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,932
−HK$1,132/mo
Today · 4.125%
HK$38,064
baseline
▲ 0.50% · 4.625%
HK$40,380
+HK$2,316/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,128/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,847
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,916
−HK$1,084/mo
Today · 4.125%
HK$42,000
baseline
▲ 0.50% · 4.625%
HK$44,214
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$84,000/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,051
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,484
−HK$1,455/mo
Today · 4.125%
HK$48,939
baseline
▲ 0.50% · 4.625%
HK$51,917
+HK$2,978/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,878/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,232
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,606
−HK$1,394/mo
Today · 4.125%
HK$54,000
baseline
▲ 0.50% · 4.625%
HK$56,846
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,000/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,744 · Scale 2, in force from 26 Feb 2026)