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$1,607/mo
▼ 0.25% · 3.875%
HK$26,412
−HK$810/mo
Today · 4.125%
HK$27,222
baseline
▲ 0.50% · 4.625%
HK$28,878
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,444/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,497
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,261
−HK$776/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,620
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,739
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,695
−HK$971/mo
Today · 4.125%
HK$32,666
baseline
▲ 0.50% · 4.625%
HK$34,654
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,332/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,196
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,113
−HK$931/mo
Today · 4.125%
HK$36,044
baseline
▲ 0.50% · 4.625%
HK$37,944
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,088/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,862
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,977
−HK$1,134/mo
Today · 4.125%
HK$38,111
baseline
▲ 0.50% · 4.625%
HK$40,429
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,222/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,896
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,966
−HK$1,085/mo
Today · 4.125%
HK$42,051
baseline
▲ 0.50% · 4.625%
HK$44,268
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,102/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,108
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,542
−HK$1,457/mo
Today · 4.125%
HK$48,999
baseline
▲ 0.50% · 4.625%
HK$51,981
+HK$2,982/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,998/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,295
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,670
−HK$1,396/mo
Today · 4.125%
HK$54,066
baseline
▲ 0.50% · 4.625%
HK$56,916
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,132/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,260 · Scale 2, in force from 26 Feb 2026)