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$1,606/mo
▼ 0.25% · 3.875%
HK$26,410
−HK$810/mo
Today · 4.125%
HK$27,220
baseline
▲ 0.50% · 4.625%
HK$28,876
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,440/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,495
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,259
−HK$775/mo
Today · 4.125%
HK$30,034
baseline
▲ 0.50% · 4.625%
HK$31,617
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,068/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,736
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,692
−HK$972/mo
Today · 4.125%
HK$32,664
baseline
▲ 0.50% · 4.625%
HK$34,651
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,328/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,194
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,111
−HK$930/mo
Today · 4.125%
HK$36,041
baseline
▲ 0.50% · 4.625%
HK$37,941
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,082/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,859
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,974
−HK$1,134/mo
Today · 4.125%
HK$38,108
baseline
▲ 0.50% · 4.625%
HK$40,426
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,216/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,893
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,963
−HK$1,085/mo
Today · 4.125%
HK$42,048
baseline
▲ 0.50% · 4.625%
HK$44,264
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,096/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,104
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,539
−HK$1,457/mo
Today · 4.125%
HK$48,996
baseline
▲ 0.50% · 4.625%
HK$51,977
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,992/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,291
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,666
−HK$1,396/mo
Today · 4.125%
HK$54,062
baseline
▲ 0.50% · 4.625%
HK$56,911
+HK$2,849/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,124/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,229 · Scale 2, in force from 26 Feb 2026)