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$25,572
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,368
−HK$808/mo
Today · 4.125%
HK$27,176
baseline
▲ 0.50% · 4.625%
HK$28,830
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,352/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,449
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,212
−HK$774/mo
Today · 4.125%
HK$29,986
baseline
▲ 0.50% · 4.625%
HK$31,567
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,972/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,687
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,641
−HK$970/mo
Today · 4.125%
HK$32,611
baseline
▲ 0.50% · 4.625%
HK$34,595
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,222/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,139
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,054
−HK$929/mo
Today · 4.125%
HK$35,983
baseline
▲ 0.50% · 4.625%
HK$37,880
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,966/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,801
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,915
−HK$1,131/mo
Today · 4.125%
HK$38,046
baseline
▲ 0.50% · 4.625%
HK$40,361
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,092/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,829
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,897
−HK$1,083/mo
Today · 4.125%
HK$41,980
baseline
▲ 0.50% · 4.625%
HK$44,193
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,960/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,030
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,462
−HK$1,455/mo
Today · 4.125%
HK$48,917
baseline
▲ 0.50% · 4.625%
HK$51,893
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,834/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,208
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,581
−HK$1,394/mo
Today · 4.125%
HK$53,975
baseline
▲ 0.50% · 4.625%
HK$56,820
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,950/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,551 · Scale 2, in force from 26 Feb 2026)