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$25,620
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,417
−HK$809/mo
Today · 4.125%
HK$27,226
baseline
▲ 0.50% · 4.625%
HK$28,883
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,452/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,502
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,266
−HK$776/mo
Today · 4.125%
HK$30,042
baseline
▲ 0.50% · 4.625%
HK$31,625
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,084/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,744
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,700
−HK$972/mo
Today · 4.125%
HK$32,672
baseline
▲ 0.50% · 4.625%
HK$34,660
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,344/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,202
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,119
−HK$931/mo
Today · 4.125%
HK$36,050
baseline
▲ 0.50% · 4.625%
HK$37,950
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,100/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,868
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,983
−HK$1,134/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,436
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,234/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,902
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,973
−HK$1,085/mo
Today · 4.125%
HK$42,058
baseline
▲ 0.50% · 4.625%
HK$44,275
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,116/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,116
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,550
−HK$1,457/mo
Today · 4.125%
HK$49,007
baseline
▲ 0.50% · 4.625%
HK$51,989
+HK$2,982/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,014/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,303
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,679
−HK$1,396/mo
Today · 4.125%
HK$54,075
baseline
▲ 0.50% · 4.625%
HK$56,925
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,150/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,331 · Scale 2, in force from 26 Feb 2026)