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$25,608
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,405
−HK$809/mo
Today · 4.125%
HK$27,214
baseline
▲ 0.50% · 4.625%
HK$28,870
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,428/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,489
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,253
−HK$775/mo
Today · 4.125%
HK$30,028
baseline
▲ 0.50% · 4.625%
HK$31,611
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,056/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,730
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,685
−HK$972/mo
Today · 4.125%
HK$32,657
baseline
▲ 0.50% · 4.625%
HK$34,644
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,314/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,186
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,103
−HK$930/mo
Today · 4.125%
HK$36,033
baseline
▲ 0.50% · 4.625%
HK$37,933
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,066/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,851
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,966
−HK$1,133/mo
Today · 4.125%
HK$38,099
baseline
▲ 0.50% · 4.625%
HK$40,418
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,198/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,884
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,954
−HK$1,085/mo
Today · 4.125%
HK$42,039
baseline
▲ 0.50% · 4.625%
HK$44,255
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,078/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,094
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,528
−HK$1,457/mo
Today · 4.125%
HK$48,985
baseline
▲ 0.50% · 4.625%
HK$51,966
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,970/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,280
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,655
−HK$1,395/mo
Today · 4.125%
HK$54,050
baseline
▲ 0.50% · 4.625%
HK$56,899
+HK$2,849/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,100/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,138 · Scale 2, in force from 26 Feb 2026)