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$25,578
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,374
−HK$808/mo
Today · 4.125%
HK$27,182
baseline
▲ 0.50% · 4.625%
HK$28,836
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,364/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,456
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,219
−HK$774/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,574
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,694
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,649
−HK$970/mo
Today · 4.125%
HK$32,619
baseline
▲ 0.50% · 4.625%
HK$34,604
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,238/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,147
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,063
−HK$929/mo
Today · 4.125%
HK$35,992
baseline
▲ 0.50% · 4.625%
HK$37,889
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,984/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,810
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,924
−HK$1,131/mo
Today · 4.125%
HK$38,055
baseline
▲ 0.50% · 4.625%
HK$40,371
+HK$2,316/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,110/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,838
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,906
−HK$1,084/mo
Today · 4.125%
HK$41,990
baseline
▲ 0.50% · 4.625%
HK$44,204
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$83,980/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,041
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,473
−HK$1,455/mo
Today · 4.125%
HK$48,928
baseline
▲ 0.50% · 4.625%
HK$51,905
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,856/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,220
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,594
−HK$1,393/mo
Today · 4.125%
HK$53,987
baseline
▲ 0.50% · 4.625%
HK$56,833
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$107,974/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,650 · Scale 2, in force from 26 Feb 2026)