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$25,615
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,412
−HK$810/mo
Today · 4.125%
HK$27,222
baseline
▲ 0.50% · 4.625%
HK$28,878
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,444/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,497
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,261
−HK$775/mo
Today · 4.125%
HK$30,036
baseline
▲ 0.50% · 4.625%
HK$31,620
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,072/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,738
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,694
−HK$972/mo
Today · 4.125%
HK$32,666
baseline
▲ 0.50% · 4.625%
HK$34,653
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,332/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,196
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,113
−HK$931/mo
Today · 4.125%
HK$36,044
baseline
▲ 0.50% · 4.625%
HK$37,943
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,088/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,861
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,977
−HK$1,133/mo
Today · 4.125%
HK$38,110
baseline
▲ 0.50% · 4.625%
HK$40,429
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,220/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,895
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,965
−HK$1,086/mo
Today · 4.125%
HK$42,051
baseline
▲ 0.50% · 4.625%
HK$44,267
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,102/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,107
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,542
−HK$1,457/mo
Today · 4.125%
HK$48,999
baseline
▲ 0.50% · 4.625%
HK$51,980
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,998/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,294
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,670
−HK$1,395/mo
Today · 4.125%
HK$54,065
baseline
▲ 0.50% · 4.625%
HK$56,915
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,130/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,256 · Scale 2, in force from 26 Feb 2026)