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$25,575
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,371
−HK$808/mo
Today · 4.125%
HK$27,179
baseline
▲ 0.50% · 4.625%
HK$28,833
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,358/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,452
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,215
−HK$774/mo
Today · 4.125%
HK$29,989
baseline
▲ 0.50% · 4.625%
HK$31,570
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,978/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,690
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,645
−HK$970/mo
Today · 4.125%
HK$32,615
baseline
▲ 0.50% · 4.625%
HK$34,599
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,230/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,142
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,058
−HK$929/mo
Today · 4.125%
HK$35,987
baseline
▲ 0.50% · 4.625%
HK$37,884
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,974/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,805
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,919
−HK$1,131/mo
Today · 4.125%
HK$38,050
baseline
▲ 0.50% · 4.625%
HK$40,366
+HK$2,316/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,100/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,833
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,901
−HK$1,084/mo
Today · 4.125%
HK$41,985
baseline
▲ 0.50% · 4.625%
HK$44,198
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,970/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,035
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,467
−HK$1,455/mo
Today · 4.125%
HK$48,922
baseline
▲ 0.50% · 4.625%
HK$51,899
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,844/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,214
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,587
−HK$1,393/mo
Today · 4.125%
HK$53,980
baseline
▲ 0.50% · 4.625%
HK$56,826
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,960/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,595 · Scale 2, in force from 26 Feb 2026)