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$25,609
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,405
−HK$810/mo
Today · 4.125%
HK$27,215
baseline
▲ 0.50% · 4.625%
HK$28,870
+HK$1,655/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,430/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,489
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,253
−HK$776/mo
Today · 4.125%
HK$30,029
baseline
▲ 0.50% · 4.625%
HK$31,611
+HK$1,582/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,058/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,730
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,686
−HK$971/mo
Today · 4.125%
HK$32,657
baseline
▲ 0.50% · 4.625%
HK$34,645
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,314/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,187
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,104
−HK$930/mo
Today · 4.125%
HK$36,034
baseline
▲ 0.50% · 4.625%
HK$37,934
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,068/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,852
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,967
−HK$1,133/mo
Today · 4.125%
HK$38,100
baseline
▲ 0.50% · 4.625%
HK$40,419
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,200/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,885
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,955
−HK$1,085/mo
Today · 4.125%
HK$42,040
baseline
▲ 0.50% · 4.625%
HK$44,256
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,080/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,096
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,529
−HK$1,457/mo
Today · 4.125%
HK$48,986
baseline
▲ 0.50% · 4.625%
HK$51,967
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,972/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,281
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,656
−HK$1,395/mo
Today · 4.125%
HK$54,051
baseline
▲ 0.50% · 4.625%
HK$56,901
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,102/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,148 · Scale 2, in force from 26 Feb 2026)