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$25,603
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,399
−HK$810/mo
Today · 4.125%
HK$27,209
baseline
▲ 0.50% · 4.625%
HK$28,864
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,418/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,483
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,247
−HK$775/mo
Today · 4.125%
HK$30,022
baseline
▲ 0.50% · 4.625%
HK$31,604
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,044/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,724
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,679
−HK$971/mo
Today · 4.125%
HK$32,650
baseline
▲ 0.50% · 4.625%
HK$34,637
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,300/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,180
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,096
−HK$930/mo
Today · 4.125%
HK$36,026
baseline
▲ 0.50% · 4.625%
HK$37,925
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,052/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,844
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,959
−HK$1,133/mo
Today · 4.125%
HK$38,092
baseline
▲ 0.50% · 4.625%
HK$40,410
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,184/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,876
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,946
−HK$1,085/mo
Today · 4.125%
HK$42,031
baseline
▲ 0.50% · 4.625%
HK$44,246
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,062/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,085
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,519
−HK$1,456/mo
Today · 4.125%
HK$48,975
baseline
▲ 0.50% · 4.625%
HK$51,955
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,950/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,270
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,645
−HK$1,395/mo
Today · 4.125%
HK$54,040
baseline
▲ 0.50% · 4.625%
HK$56,888
+HK$2,848/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,080/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,055 · Scale 2, in force from 26 Feb 2026)