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$25,589
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,385
−HK$809/mo
Today · 4.125%
HK$27,194
baseline
▲ 0.50% · 4.625%
HK$28,848
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,388/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,467
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,231
−HK$774/mo
Today · 4.125%
HK$30,005
baseline
▲ 0.50% · 4.625%
HK$31,587
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,010/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,707
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,662
−HK$970/mo
Today · 4.125%
HK$32,632
baseline
▲ 0.50% · 4.625%
HK$34,618
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,264/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,161
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,077
−HK$930/mo
Today · 4.125%
HK$36,007
baseline
▲ 0.50% · 4.625%
HK$37,904
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,014/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,824
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,939
−HK$1,132/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,388
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,854
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,923
−HK$1,085/mo
Today · 4.125%
HK$42,008
baseline
▲ 0.50% · 4.625%
HK$44,222
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,016/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,060
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,493
−HK$1,455/mo
Today · 4.125%
HK$48,948
baseline
▲ 0.50% · 4.625%
HK$51,927
+HK$2,979/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,896/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,241
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,616
−HK$1,394/mo
Today · 4.125%
HK$54,010
baseline
▲ 0.50% · 4.625%
HK$56,857
+HK$2,847/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,020/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,823 · Scale 2, in force from 26 Feb 2026)