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$25,595
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,392
−HK$808/mo
Today · 4.125%
HK$27,200
baseline
▲ 0.50% · 4.625%
HK$28,856
+HK$1,656/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,400/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,475
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,238
−HK$775/mo
Today · 4.125%
HK$30,013
baseline
▲ 0.50% · 4.625%
HK$31,595
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,026/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,714
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,670
−HK$971/mo
Today · 4.125%
HK$32,641
baseline
▲ 0.50% · 4.625%
HK$34,627
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,282/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,170
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,086
−HK$930/mo
Today · 4.125%
HK$36,016
baseline
▲ 0.50% · 4.625%
HK$37,914
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,032/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,834
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,948
−HK$1,133/mo
Today · 4.125%
HK$38,081
baseline
▲ 0.50% · 4.625%
HK$40,398
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,162/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,864
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,934
−HK$1,084/mo
Today · 4.125%
HK$42,018
baseline
▲ 0.50% · 4.625%
HK$44,233
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,036/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,072
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,505
−HK$1,456/mo
Today · 4.125%
HK$48,961
baseline
▲ 0.50% · 4.625%
HK$51,940
+HK$2,979/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,922/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,254
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,629
−HK$1,394/mo
Today · 4.125%
HK$54,023
baseline
▲ 0.50% · 4.625%
HK$56,871
+HK$2,848/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,046/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,930 · Scale 2, in force from 26 Feb 2026)