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$25,571
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,367
−HK$808/mo
Today · 4.125%
HK$27,175
baseline
▲ 0.50% · 4.625%
HK$28,829
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,350/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,448
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,211
−HK$774/mo
Today · 4.125%
HK$29,985
baseline
▲ 0.50% · 4.625%
HK$31,566
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,970/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,686
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,640
−HK$970/mo
Today · 4.125%
HK$32,610
baseline
▲ 0.50% · 4.625%
HK$34,594
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,220/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,138
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,053
−HK$929/mo
Today · 4.125%
HK$35,982
baseline
▲ 0.50% · 4.625%
HK$37,879
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,964/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,800
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,914
−HK$1,131/mo
Today · 4.125%
HK$38,045
baseline
▲ 0.50% · 4.625%
HK$40,360
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,090/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,827
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,895
−HK$1,084/mo
Today · 4.125%
HK$41,979
baseline
▲ 0.50% · 4.625%
HK$44,192
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,958/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,029
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,460
−HK$1,455/mo
Today · 4.125%
HK$48,915
baseline
▲ 0.50% · 4.625%
HK$51,891
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,830/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,206
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,580
−HK$1,393/mo
Today · 4.125%
HK$53,973
baseline
▲ 0.50% · 4.625%
HK$56,818
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,946/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,537 · Scale 2, in force from 26 Feb 2026)