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$1,606/mo
▼ 0.25% · 3.875%
HK$26,415
−HK$809/mo
Today · 4.125%
HK$27,224
baseline
▲ 0.50% · 4.625%
HK$28,881
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,448/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,500
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,264
−HK$775/mo
Today · 4.125%
HK$30,039
baseline
▲ 0.50% · 4.625%
HK$31,623
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,078/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,742
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,698
−HK$971/mo
Today · 4.125%
HK$32,669
baseline
▲ 0.50% · 4.625%
HK$34,657
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,338/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,200
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,117
−HK$930/mo
Today · 4.125%
HK$36,047
baseline
▲ 0.50% · 4.625%
HK$37,947
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,094/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,865
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,981
−HK$1,133/mo
Today · 4.125%
HK$38,114
baseline
▲ 0.50% · 4.625%
HK$40,433
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,228/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,900
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,970
−HK$1,085/mo
Today · 4.125%
HK$42,055
baseline
▲ 0.50% · 4.625%
HK$44,272
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,110/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,112
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,547
−HK$1,457/mo
Today · 4.125%
HK$49,004
baseline
▲ 0.50% · 4.625%
HK$51,986
+HK$2,982/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,008/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,299
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,675
−HK$1,396/mo
Today · 4.125%
HK$54,071
baseline
▲ 0.50% · 4.625%
HK$56,921
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,142/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,301 · Scale 2, in force from 26 Feb 2026)