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$25,607
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,403
−HK$809/mo
Today · 4.125%
HK$27,212
baseline
▲ 0.50% · 4.625%
HK$28,868
+HK$1,656/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,424/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,487
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,251
−HK$775/mo
Today · 4.125%
HK$30,026
baseline
▲ 0.50% · 4.625%
HK$31,609
+HK$1,583/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,052/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,728
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,684
−HK$971/mo
Today · 4.125%
HK$32,655
baseline
▲ 0.50% · 4.625%
HK$34,642
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,310/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,184
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,101
−HK$930/mo
Today · 4.125%
HK$36,031
baseline
▲ 0.50% · 4.625%
HK$37,931
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,062/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,849
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,964
−HK$1,133/mo
Today · 4.125%
HK$38,097
baseline
▲ 0.50% · 4.625%
HK$40,415
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,194/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,882
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,951
−HK$1,086/mo
Today · 4.125%
HK$42,037
baseline
▲ 0.50% · 4.625%
HK$44,252
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,074/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,092
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,526
−HK$1,456/mo
Today · 4.125%
HK$48,982
baseline
▲ 0.50% · 4.625%
HK$51,963
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,964/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,277
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,652
−HK$1,395/mo
Today · 4.125%
HK$54,047
baseline
▲ 0.50% · 4.625%
HK$56,896
+HK$2,849/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,094/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,114 · Scale 2, in force from 26 Feb 2026)