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$25,599
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,396
−HK$809/mo
Today · 4.125%
HK$27,205
baseline
▲ 0.50% · 4.625%
HK$28,860
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,410/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,479
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,243
−HK$775/mo
Today · 4.125%
HK$30,018
baseline
▲ 0.50% · 4.625%
HK$31,600
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,036/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,719
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,675
−HK$971/mo
Today · 4.125%
HK$32,646
baseline
▲ 0.50% · 4.625%
HK$34,632
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,292/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,175
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,091
−HK$930/mo
Today · 4.125%
HK$36,021
baseline
▲ 0.50% · 4.625%
HK$37,920
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,042/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,839
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,954
−HK$1,133/mo
Today · 4.125%
HK$38,087
baseline
▲ 0.50% · 4.625%
HK$40,404
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,174/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,871
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,940
−HK$1,085/mo
Today · 4.125%
HK$42,025
baseline
▲ 0.50% · 4.625%
HK$44,240
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,050/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,079
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,512
−HK$1,456/mo
Today · 4.125%
HK$48,968
baseline
▲ 0.50% · 4.625%
HK$51,948
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,936/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,262
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,637
−HK$1,395/mo
Today · 4.125%
HK$54,032
baseline
▲ 0.50% · 4.625%
HK$56,880
+HK$2,848/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,064/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,995 · Scale 2, in force from 26 Feb 2026)