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$25,570
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,366
−HK$808/mo
Today · 4.125%
HK$27,174
baseline
▲ 0.50% · 4.625%
HK$28,827
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,348/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,447
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,210
−HK$774/mo
Today · 4.125%
HK$29,984
baseline
▲ 0.50% · 4.625%
HK$31,564
+HK$1,580/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,968/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,684
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,639
−HK$970/mo
Today · 4.125%
HK$32,609
baseline
▲ 0.50% · 4.625%
HK$34,593
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,218/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,136
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,052
−HK$928/mo
Today · 4.125%
HK$35,980
baseline
▲ 0.50% · 4.625%
HK$37,877
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,960/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,798
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,912
−HK$1,131/mo
Today · 4.125%
HK$38,043
baseline
▲ 0.50% · 4.625%
HK$40,358
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,086/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,825
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,893
−HK$1,084/mo
Today · 4.125%
HK$41,977
baseline
▲ 0.50% · 4.625%
HK$44,190
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,954/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,027
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,458
−HK$1,455/mo
Today · 4.125%
HK$48,913
baseline
▲ 0.50% · 4.625%
HK$51,889
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,826/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,204
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,577
−HK$1,393/mo
Today · 4.125%
HK$53,970
baseline
▲ 0.50% · 4.625%
HK$56,815
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,940/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,517 · Scale 2, in force from 26 Feb 2026)