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$25,585
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,381
−HK$809/mo
Today · 4.125%
HK$27,190
baseline
▲ 0.50% · 4.625%
HK$28,844
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,380/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,463
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,227
−HK$774/mo
Today · 4.125%
HK$30,001
baseline
▲ 0.50% · 4.625%
HK$31,583
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,002/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,702
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,657
−HK$971/mo
Today · 4.125%
HK$32,628
baseline
▲ 0.50% · 4.625%
HK$34,613
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,256/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,156
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,072
−HK$930/mo
Today · 4.125%
HK$36,002
baseline
▲ 0.50% · 4.625%
HK$37,899
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,004/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,820
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,934
−HK$1,132/mo
Today · 4.125%
HK$38,066
baseline
▲ 0.50% · 4.625%
HK$40,382
+HK$2,316/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,132/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,849
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,918
−HK$1,084/mo
Today · 4.125%
HK$42,002
baseline
▲ 0.50% · 4.625%
HK$44,216
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$84,004/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,054
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,486
−HK$1,456/mo
Today · 4.125%
HK$48,942
baseline
▲ 0.50% · 4.625%
HK$51,920
+HK$2,978/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,884/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,234
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,608
−HK$1,394/mo
Today · 4.125%
HK$54,002
baseline
▲ 0.50% · 4.625%
HK$56,849
+HK$2,847/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,004/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,765 · Scale 2, in force from 26 Feb 2026)