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$25,591
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,387
−HK$808/mo
Today · 4.125%
HK$27,195
baseline
▲ 0.50% · 4.625%
HK$28,850
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,390/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,469
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,233
−HK$774/mo
Today · 4.125%
HK$30,007
baseline
▲ 0.50% · 4.625%
HK$31,589
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,014/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,709
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,664
−HK$971/mo
Today · 4.125%
HK$32,635
baseline
▲ 0.50% · 4.625%
HK$34,620
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,270/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,163
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,079
−HK$930/mo
Today · 4.125%
HK$36,009
baseline
▲ 0.50% · 4.625%
HK$37,907
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,018/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,827
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,941
−HK$1,133/mo
Today · 4.125%
HK$38,074
baseline
▲ 0.50% · 4.625%
HK$40,390
+HK$2,316/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,148/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,857
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,926
−HK$1,084/mo
Today · 4.125%
HK$42,010
baseline
▲ 0.50% · 4.625%
HK$44,225
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,020/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,063
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,496
−HK$1,456/mo
Today · 4.125%
HK$48,952
baseline
▲ 0.50% · 4.625%
HK$51,930
+HK$2,978/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,904/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,245
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,619
−HK$1,394/mo
Today · 4.125%
HK$54,013
baseline
▲ 0.50% · 4.625%
HK$56,861
+HK$2,848/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,026/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,852 · Scale 2, in force from 26 Feb 2026)