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$25,563
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,359
−HK$807/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,819
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,439
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,202
−HK$773/mo
Today · 4.125%
HK$29,975
baseline
▲ 0.50% · 4.625%
HK$31,556
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,950/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,676
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,630
−HK$970/mo
Today · 4.125%
HK$32,600
baseline
▲ 0.50% · 4.625%
HK$34,583
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,200/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,127
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,042
−HK$929/mo
Today · 4.125%
HK$35,971
baseline
▲ 0.50% · 4.625%
HK$37,867
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,942/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,789
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,902
−HK$1,131/mo
Today · 4.125%
HK$38,033
baseline
▲ 0.50% · 4.625%
HK$40,347
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,066/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,815
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,882
−HK$1,084/mo
Today · 4.125%
HK$41,966
baseline
▲ 0.50% · 4.625%
HK$44,178
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,932/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,014
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,445
−HK$1,455/mo
Today · 4.125%
HK$48,900
baseline
▲ 0.50% · 4.625%
HK$51,875
+HK$2,975/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,800/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,190
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,563
−HK$1,393/mo
Today · 4.125%
HK$53,956
baseline
▲ 0.50% · 4.625%
HK$56,800
+HK$2,844/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,912/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,404 · Scale 2, in force from 26 Feb 2026)