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$25,612
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,408
−HK$810/mo
Today · 4.125%
HK$27,218
baseline
▲ 0.50% · 4.625%
HK$28,874
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,436/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,493
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,257
−HK$775/mo
Today · 4.125%
HK$30,032
baseline
▲ 0.50% · 4.625%
HK$31,615
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,064/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,734
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,690
−HK$971/mo
Today · 4.125%
HK$32,661
baseline
▲ 0.50% · 4.625%
HK$34,649
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,322/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,191
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,108
−HK$931/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$37,938
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,856
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,972
−HK$1,133/mo
Today · 4.125%
HK$38,105
baseline
▲ 0.50% · 4.625%
HK$40,424
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,210/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,890
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,960
−HK$1,085/mo
Today · 4.125%
HK$42,045
baseline
▲ 0.50% · 4.625%
HK$44,261
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,090/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,101
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,535
−HK$1,457/mo
Today · 4.125%
HK$48,992
baseline
▲ 0.50% · 4.625%
HK$51,973
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,984/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,287
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,663
−HK$1,395/mo
Today · 4.125%
HK$54,058
baseline
▲ 0.50% · 4.625%
HK$56,907
+HK$2,849/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,116/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,199 · Scale 2, in force from 26 Feb 2026)