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$25,569
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,365
−HK$808/mo
Today · 4.125%
HK$27,173
baseline
▲ 0.50% · 4.625%
HK$28,826
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,346/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,446
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,209
−HK$774/mo
Today · 4.125%
HK$29,983
baseline
▲ 0.50% · 4.625%
HK$31,563
+HK$1,580/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,966/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,683
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,638
−HK$969/mo
Today · 4.125%
HK$32,607
baseline
▲ 0.50% · 4.625%
HK$34,592
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,214/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,135
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,050
−HK$929/mo
Today · 4.125%
HK$35,979
baseline
▲ 0.50% · 4.625%
HK$37,876
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,958/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,797
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,911
−HK$1,131/mo
Today · 4.125%
HK$38,042
baseline
▲ 0.50% · 4.625%
HK$40,357
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,084/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,824
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,892
−HK$1,084/mo
Today · 4.125%
HK$41,976
baseline
▲ 0.50% · 4.625%
HK$44,188
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,952/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,025
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,457
−HK$1,454/mo
Today · 4.125%
HK$48,911
baseline
▲ 0.50% · 4.625%
HK$51,887
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,822/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,202
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,576
−HK$1,393/mo
Today · 4.125%
HK$53,969
baseline
▲ 0.50% · 4.625%
HK$56,813
+HK$2,844/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,938/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,504 · Scale 2, in force from 26 Feb 2026)