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$25,614
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,411
−HK$810/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,877
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,496
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,260
−HK$775/mo
Today · 4.125%
HK$30,035
baseline
▲ 0.50% · 4.625%
HK$31,618
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,070/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,737
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,693
−HK$972/mo
Today · 4.125%
HK$32,665
baseline
▲ 0.50% · 4.625%
HK$34,652
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,330/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,195
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,112
−HK$930/mo
Today · 4.125%
HK$36,042
baseline
▲ 0.50% · 4.625%
HK$37,942
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,084/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,860
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,976
−HK$1,133/mo
Today · 4.125%
HK$38,109
baseline
▲ 0.50% · 4.625%
HK$40,428
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,218/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,894
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,964
−HK$1,085/mo
Today · 4.125%
HK$42,049
baseline
▲ 0.50% · 4.625%
HK$44,266
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,098/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,106
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,540
−HK$1,457/mo
Today · 4.125%
HK$48,997
baseline
▲ 0.50% · 4.625%
HK$51,978
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,994/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,292
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,668
−HK$1,395/mo
Today · 4.125%
HK$54,063
baseline
▲ 0.50% · 4.625%
HK$56,913
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,126/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,241 · Scale 2, in force from 26 Feb 2026)