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$25,623
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,420
−HK$809/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,886
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,505
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,269
−HK$776/mo
Today · 4.125%
HK$30,045
baseline
▲ 0.50% · 4.625%
HK$31,629
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,090/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,747
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,704
−HK$971/mo
Today · 4.125%
HK$32,675
baseline
▲ 0.50% · 4.625%
HK$34,663
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,350/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,206
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,123
−HK$931/mo
Today · 4.125%
HK$36,054
baseline
▲ 0.50% · 4.625%
HK$37,954
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,108/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,872
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,987
−HK$1,134/mo
Today · 4.125%
HK$38,121
baseline
▲ 0.50% · 4.625%
HK$40,441
+HK$2,320/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,242/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,907
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,977
−HK$1,086/mo
Today · 4.125%
HK$42,063
baseline
▲ 0.50% · 4.625%
HK$44,280
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,126/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,121
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,555
−HK$1,458/mo
Today · 4.125%
HK$49,013
baseline
▲ 0.50% · 4.625%
HK$51,995
+HK$2,982/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,026/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,309
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,685
−HK$1,396/mo
Today · 4.125%
HK$54,081
baseline
▲ 0.50% · 4.625%
HK$56,932
+HK$2,851/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,162/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,378 · Scale 2, in force from 26 Feb 2026)