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$25,598
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,395
−HK$809/mo
Today · 4.125%
HK$27,204
baseline
▲ 0.50% · 4.625%
HK$28,859
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,408/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,478
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,242
−HK$774/mo
Today · 4.125%
HK$30,016
baseline
▲ 0.50% · 4.625%
HK$31,599
+HK$1,583/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,032/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,718
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,674
−HK$970/mo
Today · 4.125%
HK$32,644
baseline
▲ 0.50% · 4.625%
HK$34,631
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,288/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,173
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,090
−HK$930/mo
Today · 4.125%
HK$36,020
baseline
▲ 0.50% · 4.625%
HK$37,918
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,040/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,838
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,952
−HK$1,133/mo
Today · 4.125%
HK$38,085
baseline
▲ 0.50% · 4.625%
HK$40,402
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,170/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,869
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,938
−HK$1,085/mo
Today · 4.125%
HK$42,023
baseline
▲ 0.50% · 4.625%
HK$44,238
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,046/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,077
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,510
−HK$1,456/mo
Today · 4.125%
HK$48,966
baseline
▲ 0.50% · 4.625%
HK$51,946
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,932/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,260
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,635
−HK$1,395/mo
Today · 4.125%
HK$54,030
baseline
▲ 0.50% · 4.625%
HK$56,878
+HK$2,848/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,060/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,979 · Scale 2, in force from 26 Feb 2026)