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$25,621
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,418
−HK$809/mo
Today · 4.125%
HK$27,227
baseline
▲ 0.50% · 4.625%
HK$28,884
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,454/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,503
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,267
−HK$776/mo
Today · 4.125%
HK$30,043
baseline
▲ 0.50% · 4.625%
HK$31,626
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,086/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,745
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,701
−HK$972/mo
Today · 4.125%
HK$32,673
baseline
▲ 0.50% · 4.625%
HK$34,661
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,346/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,203
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,120
−HK$931/mo
Today · 4.125%
HK$36,051
baseline
▲ 0.50% · 4.625%
HK$37,951
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,102/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,869
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,985
−HK$1,133/mo
Today · 4.125%
HK$38,118
baseline
▲ 0.50% · 4.625%
HK$40,437
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,236/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,904
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,974
−HK$1,086/mo
Today · 4.125%
HK$42,060
baseline
▲ 0.50% · 4.625%
HK$44,277
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,120/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,117
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,552
−HK$1,457/mo
Today · 4.125%
HK$49,009
baseline
▲ 0.50% · 4.625%
HK$51,991
+HK$2,982/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,018/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,305
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,681
−HK$1,396/mo
Today · 4.125%
HK$54,077
baseline
▲ 0.50% · 4.625%
HK$56,927
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,154/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,344 · Scale 2, in force from 26 Feb 2026)