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$25,564
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,359
−HK$808/mo
Today · 4.125%
HK$27,167
baseline
▲ 0.50% · 4.625%
HK$28,820
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,334/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,439
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,202
−HK$774/mo
Today · 4.125%
HK$29,976
baseline
▲ 0.50% · 4.625%
HK$31,556
+HK$1,580/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,952/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,677
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,631
−HK$969/mo
Today · 4.125%
HK$32,600
baseline
▲ 0.50% · 4.625%
HK$34,584
+HK$1,984/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,200/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,127
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,043
−HK$928/mo
Today · 4.125%
HK$35,971
baseline
▲ 0.50% · 4.625%
HK$37,867
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,942/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,789
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,903
−HK$1,131/mo
Today · 4.125%
HK$38,034
baseline
▲ 0.50% · 4.625%
HK$40,348
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,068/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,815
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,883
−HK$1,083/mo
Today · 4.125%
HK$41,966
baseline
▲ 0.50% · 4.625%
HK$44,178
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,932/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,015
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,446
−HK$1,454/mo
Today · 4.125%
HK$48,900
baseline
▲ 0.50% · 4.625%
HK$51,876
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,800/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,191
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,564
−HK$1,393/mo
Today · 4.125%
HK$53,957
baseline
▲ 0.50% · 4.625%
HK$56,801
+HK$2,844/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,914/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,411 · Scale 2, in force from 26 Feb 2026)