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$25,617
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,414
−HK$809/mo
Today · 4.125%
HK$27,223
baseline
▲ 0.50% · 4.625%
HK$28,880
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,446/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,498
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,263
−HK$775/mo
Today · 4.125%
HK$30,038
baseline
▲ 0.50% · 4.625%
HK$31,621
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,076/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,740
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,696
−HK$972/mo
Today · 4.125%
HK$32,668
baseline
▲ 0.50% · 4.625%
HK$34,656
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,336/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,198
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,115
−HK$931/mo
Today · 4.125%
HK$36,046
baseline
▲ 0.50% · 4.625%
HK$37,946
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,092/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,863
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,979
−HK$1,133/mo
Today · 4.125%
HK$38,112
baseline
▲ 0.50% · 4.625%
HK$40,431
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,224/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,898
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,085/mo
Today · 4.125%
HK$42,053
baseline
▲ 0.50% · 4.625%
HK$44,270
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,106/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,110
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,544
−HK$1,458/mo
Today · 4.125%
HK$49,002
baseline
▲ 0.50% · 4.625%
HK$51,983
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,004/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,297
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,673
−HK$1,396/mo
Today · 4.125%
HK$54,069
baseline
▲ 0.50% · 4.625%
HK$56,919
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,138/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,282 · Scale 2, in force from 26 Feb 2026)