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$25,581
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,377
−HK$808/mo
Today · 4.125%
HK$27,185
baseline
▲ 0.50% · 4.625%
HK$28,840
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,370/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,459
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,222
−HK$775/mo
Today · 4.125%
HK$29,997
baseline
▲ 0.50% · 4.625%
HK$31,578
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,994/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,698
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,652
−HK$971/mo
Today · 4.125%
HK$32,623
baseline
▲ 0.50% · 4.625%
HK$34,608
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,246/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,151
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,067
−HK$929/mo
Today · 4.125%
HK$35,996
baseline
▲ 0.50% · 4.625%
HK$37,893
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,992/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,814
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,928
−HK$1,132/mo
Today · 4.125%
HK$38,060
baseline
▲ 0.50% · 4.625%
HK$40,376
+HK$2,316/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,120/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,843
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,911
−HK$1,084/mo
Today · 4.125%
HK$41,995
baseline
▲ 0.50% · 4.625%
HK$44,209
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$83,990/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,046
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,479
−HK$1,455/mo
Today · 4.125%
HK$48,934
baseline
▲ 0.50% · 4.625%
HK$51,911
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,868/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,226
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,600
−HK$1,394/mo
Today · 4.125%
HK$53,994
baseline
▲ 0.50% · 4.625%
HK$56,840
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$107,988/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,698 · Scale 2, in force from 26 Feb 2026)