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$25,601
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,397
−HK$809/mo
Today · 4.125%
HK$27,206
baseline
▲ 0.50% · 4.625%
HK$28,862
+HK$1,656/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,412/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$421,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,481
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,245
−HK$775/mo
Today · 4.125%
HK$30,020
baseline
▲ 0.50% · 4.625%
HK$31,602
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,040/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$421,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,721
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,677
−HK$971/mo
Today · 4.125%
HK$32,648
baseline
▲ 0.50% · 4.625%
HK$34,634
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,296/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,177
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,094
−HK$929/mo
Today · 4.125%
HK$36,023
baseline
▲ 0.50% · 4.625%
HK$37,922
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,046/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,841
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,956
−HK$1,133/mo
Today · 4.125%
HK$38,089
baseline
▲ 0.50% · 4.625%
HK$40,407
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,178/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,873
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,942
−HK$1,085/mo
Today · 4.125%
HK$42,027
baseline
▲ 0.50% · 4.625%
HK$44,243
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,054/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,082
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,515
−HK$1,456/mo
Today · 4.125%
HK$48,971
baseline
▲ 0.50% · 4.625%
HK$51,951
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,942/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,265
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,640
−HK$1,395/mo
Today · 4.125%
HK$54,035
baseline
▲ 0.50% · 4.625%
HK$56,883
+HK$2,848/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,070/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,021 · Scale 2, in force from 26 Feb 2026)