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$25,618
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,415
−HK$810/mo
Today · 4.125%
HK$27,225
baseline
▲ 0.50% · 4.625%
HK$28,882
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,450/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,500
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,265
−HK$775/mo
Today · 4.125%
HK$30,040
baseline
▲ 0.50% · 4.625%
HK$31,623
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,080/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,742
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,698
−HK$972/mo
Today · 4.125%
HK$32,670
baseline
▲ 0.50% · 4.625%
HK$34,658
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,340/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,200
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,118
−HK$930/mo
Today · 4.125%
HK$36,048
baseline
▲ 0.50% · 4.625%
HK$37,948
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,096/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,866
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,981
−HK$1,134/mo
Today · 4.125%
HK$38,115
baseline
▲ 0.50% · 4.625%
HK$40,434
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,230/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,900
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,970
−HK$1,086/mo
Today · 4.125%
HK$42,056
baseline
▲ 0.50% · 4.625%
HK$44,273
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,112/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,113
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,548
−HK$1,457/mo
Today · 4.125%
HK$49,005
baseline
▲ 0.50% · 4.625%
HK$51,987
+HK$2,982/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,010/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,300
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,676
−HK$1,396/mo
Today · 4.125%
HK$54,072
baseline
▲ 0.50% · 4.625%
HK$56,922
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,144/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,309 · Scale 2, in force from 26 Feb 2026)