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$25,622
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,419
−HK$809/mo
Today · 4.125%
HK$27,228
baseline
▲ 0.50% · 4.625%
HK$28,885
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,456/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,504
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,268
−HK$776/mo
Today · 4.125%
HK$30,044
baseline
▲ 0.50% · 4.625%
HK$31,628
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,088/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,746
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,702
−HK$972/mo
Today · 4.125%
HK$32,674
baseline
▲ 0.50% · 4.625%
HK$34,662
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,348/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,205
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,122
−HK$931/mo
Today · 4.125%
HK$36,053
baseline
▲ 0.50% · 4.625%
HK$37,953
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,106/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,870
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,986
−HK$1,134/mo
Today · 4.125%
HK$38,120
baseline
▲ 0.50% · 4.625%
HK$40,439
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,240/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,906
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,976
−HK$1,086/mo
Today · 4.125%
HK$42,062
baseline
▲ 0.50% · 4.625%
HK$44,279
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,124/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,119
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,554
−HK$1,457/mo
Today · 4.125%
HK$49,011
baseline
▲ 0.50% · 4.625%
HK$51,993
+HK$2,982/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,022/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,307
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,683
−HK$1,396/mo
Today · 4.125%
HK$54,079
baseline
▲ 0.50% · 4.625%
HK$56,930
+HK$2,851/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,158/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,364 · Scale 2, in force from 26 Feb 2026)