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$25,599
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,395
−HK$809/mo
Today · 4.125%
HK$27,204
baseline
▲ 0.50% · 4.625%
HK$28,860
+HK$1,656/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$420,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,479
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,242
−HK$775/mo
Today · 4.125%
HK$30,017
baseline
▲ 0.50% · 4.625%
HK$31,600
+HK$1,583/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,034/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,719
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,674
−HK$971/mo
Today · 4.125%
HK$32,645
baseline
▲ 0.50% · 4.625%
HK$34,632
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,290/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,174
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,091
−HK$930/mo
Today · 4.125%
HK$36,021
baseline
▲ 0.50% · 4.625%
HK$37,919
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,042/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,839
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,953
−HK$1,133/mo
Today · 4.125%
HK$38,086
baseline
▲ 0.50% · 4.625%
HK$40,403
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,172/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,870
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,939
−HK$1,085/mo
Today · 4.125%
HK$42,024
baseline
▲ 0.50% · 4.625%
HK$44,239
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,048/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,078
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,512
−HK$1,456/mo
Today · 4.125%
HK$48,968
baseline
▲ 0.50% · 4.625%
HK$51,947
+HK$2,979/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,936/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,262
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,636
−HK$1,395/mo
Today · 4.125%
HK$54,031
baseline
▲ 0.50% · 4.625%
HK$56,879
+HK$2,848/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,062/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,990 · Scale 2, in force from 26 Feb 2026)