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$25,612
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,409
−HK$809/mo
Today · 4.125%
HK$27,218
baseline
▲ 0.50% · 4.625%
HK$28,875
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,436/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,493
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,258
−HK$775/mo
Today · 4.125%
HK$30,033
baseline
▲ 0.50% · 4.625%
HK$31,616
+HK$1,583/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,066/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,735
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,691
−HK$971/mo
Today · 4.125%
HK$32,662
baseline
▲ 0.50% · 4.625%
HK$34,650
+HK$1,988/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,324/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,192
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,109
−HK$930/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$37,939
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,857
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,973
−HK$1,133/mo
Today · 4.125%
HK$38,106
baseline
▲ 0.50% · 4.625%
HK$40,425
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,212/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,891
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,961
−HK$1,085/mo
Today · 4.125%
HK$42,046
baseline
▲ 0.50% · 4.625%
HK$44,262
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,092/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,102
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,536
−HK$1,457/mo
Today · 4.125%
HK$48,993
baseline
▲ 0.50% · 4.625%
HK$51,974
+HK$2,981/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,986/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,288
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,664
−HK$1,395/mo
Today · 4.125%
HK$54,059
baseline
▲ 0.50% · 4.625%
HK$56,909
+HK$2,850/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,118/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,209 · Scale 2, in force from 26 Feb 2026)