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$25,583
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,378
−HK$809/mo
Today · 4.125%
HK$27,187
baseline
▲ 0.50% · 4.625%
HK$28,841
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,374/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,460
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,224
−HK$774/mo
Today · 4.125%
HK$29,998
baseline
▲ 0.50% · 4.625%
HK$31,579
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,996/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,699
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,654
−HK$970/mo
Today · 4.125%
HK$32,624
baseline
▲ 0.50% · 4.625%
HK$34,609
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,248/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,152
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,068
−HK$930/mo
Today · 4.125%
HK$35,998
baseline
▲ 0.50% · 4.625%
HK$37,895
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,996/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,816
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,930
−HK$1,132/mo
Today · 4.125%
HK$38,062
baseline
▲ 0.50% · 4.625%
HK$40,377
+HK$2,315/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,124/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,844
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,913
−HK$1,084/mo
Today · 4.125%
HK$41,997
baseline
▲ 0.50% · 4.625%
HK$44,211
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$83,994/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,049
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,481
−HK$1,455/mo
Today · 4.125%
HK$48,936
baseline
▲ 0.50% · 4.625%
HK$51,914
+HK$2,978/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,872/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,229
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,602
−HK$1,394/mo
Today · 4.125%
HK$53,996
baseline
▲ 0.50% · 4.625%
HK$56,843
+HK$2,847/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$107,992/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,719 · Scale 2, in force from 26 Feb 2026)