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$420,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,440
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,203
−HK$773/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$420,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,677
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,631
−HK$970/mo
Today · 4.125%
HK$32,601
baseline
▲ 0.50% · 4.625%
HK$34,584
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,202/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,128
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,043
−HK$929/mo
Today · 4.125%
HK$35,972
baseline
▲ 0.50% · 4.625%
HK$37,868
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,944/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,790
−HK$2,244/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$420,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,816
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,884
−HK$1,083/mo
Today · 4.125%
HK$41,967
baseline
▲ 0.50% · 4.625%
HK$44,179
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,934/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,015
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,447
−HK$1,454/mo
Today · 4.125%
HK$48,901
baseline
▲ 0.50% · 4.625%
HK$51,877
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,802/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,192
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,565
−HK$1,392/mo
Today · 4.125%
HK$53,957
baseline
▲ 0.50% · 4.625%
HK$56,802
+HK$2,845/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$420,416 · Scale 2, in force from 26 Feb 2026)