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$25,563
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,358
−HK$808/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,819
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,438
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,201
−HK$774/mo
Today · 4.125%
HK$29,975
baseline
▲ 0.50% · 4.625%
HK$31,555
+HK$1,580/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,950/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,675
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,629
−HK$970/mo
Today · 4.125%
HK$32,599
baseline
▲ 0.50% · 4.625%
HK$34,582
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,198/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,126
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,041
−HK$929/mo
Today · 4.125%
HK$35,970
baseline
▲ 0.50% · 4.625%
HK$37,866
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,940/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,788
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,901
−HK$1,131/mo
Today · 4.125%
HK$38,032
baseline
▲ 0.50% · 4.625%
HK$40,346
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,064/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,814
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,881
−HK$1,084/mo
Today · 4.125%
HK$41,965
baseline
▲ 0.50% · 4.625%
HK$44,177
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,930/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,013
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,444
−HK$1,454/mo
Today · 4.125%
HK$48,898
baseline
▲ 0.50% · 4.625%
HK$51,874
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,796/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,189
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,562
−HK$1,393/mo
Today · 4.125%
HK$53,955
baseline
▲ 0.50% · 4.625%
HK$56,799
+HK$2,844/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,910/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,393 · Scale 2, in force from 26 Feb 2026)