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$25,594
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,390
−HK$809/mo
Today · 4.125%
HK$27,199
baseline
▲ 0.50% · 4.625%
HK$28,854
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,398/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,473
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,237
−HK$775/mo
Today · 4.125%
HK$30,012
baseline
▲ 0.50% · 4.625%
HK$31,594
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,024/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,713
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,668
−HK$971/mo
Today · 4.125%
HK$32,639
baseline
▲ 0.50% · 4.625%
HK$34,625
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,278/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,168
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,084
−HK$930/mo
Today · 4.125%
HK$36,014
baseline
▲ 0.50% · 4.625%
HK$37,912
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,028/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,832
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,946
−HK$1,133/mo
Today · 4.125%
HK$38,079
baseline
▲ 0.50% · 4.625%
HK$40,396
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,158/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,863
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,932
−HK$1,084/mo
Today · 4.125%
HK$42,016
baseline
▲ 0.50% · 4.625%
HK$44,231
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,032/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,069
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,503
−HK$1,455/mo
Today · 4.125%
HK$48,958
baseline
▲ 0.50% · 4.625%
HK$51,937
+HK$2,979/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,916/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,252
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,626
−HK$1,395/mo
Today · 4.125%
HK$54,021
baseline
▲ 0.50% · 4.625%
HK$56,868
+HK$2,847/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,042/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,910 · Scale 2, in force from 26 Feb 2026)