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$25,607
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,404
−HK$809/mo
Today · 4.125%
HK$27,213
baseline
▲ 0.50% · 4.625%
HK$28,869
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,426/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,488
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,252
−HK$775/mo
Today · 4.125%
HK$30,027
baseline
▲ 0.50% · 4.625%
HK$31,610
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,054/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,729
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,685
−HK$971/mo
Today · 4.125%
HK$32,656
baseline
▲ 0.50% · 4.625%
HK$34,643
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,312/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,186
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,103
−HK$930/mo
Today · 4.125%
HK$36,033
baseline
▲ 0.50% · 4.625%
HK$37,932
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,066/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,850
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,966
−HK$1,133/mo
Today · 4.125%
HK$38,099
baseline
▲ 0.50% · 4.625%
HK$40,417
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,198/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,883
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,953
−HK$1,085/mo
Today · 4.125%
HK$42,038
baseline
▲ 0.50% · 4.625%
HK$44,254
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,076/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,093
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,527
−HK$1,457/mo
Today · 4.125%
HK$48,984
baseline
▲ 0.50% · 4.625%
HK$51,964
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,968/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,279
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,654
−HK$1,395/mo
Today · 4.125%
HK$54,049
baseline
▲ 0.50% · 4.625%
HK$56,898
+HK$2,849/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,098/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,129 · Scale 2, in force from 26 Feb 2026)