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$25,615
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,412
−HK$809/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,877
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,496
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,260
−HK$776/mo
Today · 4.125%
HK$30,036
baseline
▲ 0.50% · 4.625%
HK$31,619
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,072/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,738
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,694
−HK$971/mo
Today · 4.125%
HK$32,665
baseline
▲ 0.50% · 4.625%
HK$34,653
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,330/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,195
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,113
−HK$930/mo
Today · 4.125%
HK$36,043
baseline
▲ 0.50% · 4.625%
HK$37,943
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,086/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,861
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,976
−HK$1,134/mo
Today · 4.125%
HK$38,110
baseline
▲ 0.50% · 4.625%
HK$40,428
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,220/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,895
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,965
−HK$1,085/mo
Today · 4.125%
HK$42,050
baseline
▲ 0.50% · 4.625%
HK$44,267
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,100/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,107
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,541
−HK$1,457/mo
Today · 4.125%
HK$48,998
baseline
▲ 0.50% · 4.625%
HK$51,979
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,996/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,293
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,669
−HK$1,395/mo
Today · 4.125%
HK$54,064
baseline
▲ 0.50% · 4.625%
HK$56,914
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,128/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,250 · Scale 2, in force from 26 Feb 2026)