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$25,568
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,364
−HK$808/mo
Today · 4.125%
HK$27,172
baseline
▲ 0.50% · 4.625%
HK$28,825
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,344/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,445
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,207
−HK$774/mo
Today · 4.125%
HK$29,981
baseline
▲ 0.50% · 4.625%
HK$31,562
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,962/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,682
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,636
−HK$970/mo
Today · 4.125%
HK$32,606
baseline
▲ 0.50% · 4.625%
HK$34,590
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,212/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,133
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,049
−HK$929/mo
Today · 4.125%
HK$35,978
baseline
▲ 0.50% · 4.625%
HK$37,874
+HK$1,896/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,956/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,796
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,909
−HK$1,131/mo
Today · 4.125%
HK$38,040
baseline
▲ 0.50% · 4.625%
HK$40,355
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,080/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,822
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,890
−HK$1,084/mo
Today · 4.125%
HK$41,974
baseline
▲ 0.50% · 4.625%
HK$44,186
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,948/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,023
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,455
−HK$1,454/mo
Today · 4.125%
HK$48,909
baseline
▲ 0.50% · 4.625%
HK$51,885
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,818/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,200
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,573
−HK$1,393/mo
Today · 4.125%
HK$53,966
baseline
▲ 0.50% · 4.625%
HK$56,811
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,932/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,486 · Scale 2, in force from 26 Feb 2026)