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$25,611
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,408
−HK$809/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,873
+HK$1,656/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,492
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,256
−HK$775/mo
Today · 4.125%
HK$30,031
baseline
▲ 0.50% · 4.625%
HK$31,614
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,062/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,733
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,689
−HK$971/mo
Today · 4.125%
HK$32,660
baseline
▲ 0.50% · 4.625%
HK$34,648
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,320/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,190
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,107
−HK$930/mo
Today · 4.125%
HK$36,037
baseline
▲ 0.50% · 4.625%
HK$37,937
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,074/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,855
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,971
−HK$1,133/mo
Today · 4.125%
HK$38,104
baseline
▲ 0.50% · 4.625%
HK$40,422
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,208/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,889
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,958
−HK$1,086/mo
Today · 4.125%
HK$42,044
baseline
▲ 0.50% · 4.625%
HK$44,260
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,088/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,100
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,534
−HK$1,457/mo
Today · 4.125%
HK$48,991
baseline
▲ 0.50% · 4.625%
HK$51,971
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,982/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,285
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,661
−HK$1,395/mo
Today · 4.125%
HK$54,056
baseline
▲ 0.50% · 4.625%
HK$56,906
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,112/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,185 · Scale 2, in force from 26 Feb 2026)