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$25,610
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,406
−HK$810/mo
Today · 4.125%
HK$27,216
baseline
▲ 0.50% · 4.625%
HK$28,872
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,432/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,491
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,255
−HK$775/mo
Today · 4.125%
HK$30,030
baseline
▲ 0.50% · 4.625%
HK$31,613
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,060/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,732
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,688
−HK$971/mo
Today · 4.125%
HK$32,659
baseline
▲ 0.50% · 4.625%
HK$34,646
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,318/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,189
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,106
−HK$930/mo
Today · 4.125%
HK$36,036
baseline
▲ 0.50% · 4.625%
HK$37,935
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,072/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,854
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,969
−HK$1,133/mo
Today · 4.125%
HK$38,102
baseline
▲ 0.50% · 4.625%
HK$40,421
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,204/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,887
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,957
−HK$1,085/mo
Today · 4.125%
HK$42,042
baseline
▲ 0.50% · 4.625%
HK$44,258
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,084/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,098
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,532
−HK$1,456/mo
Today · 4.125%
HK$48,988
baseline
▲ 0.50% · 4.625%
HK$51,969
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,976/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,283
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,659
−HK$1,395/mo
Today · 4.125%
HK$54,054
baseline
▲ 0.50% · 4.625%
HK$56,903
+HK$2,849/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,108/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,167 · Scale 2, in force from 26 Feb 2026)