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$25,595
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,391
−HK$809/mo
Today · 4.125%
HK$27,200
baseline
▲ 0.50% · 4.625%
HK$28,855
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,400/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,474
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,238
−HK$775/mo
Today · 4.125%
HK$30,013
baseline
▲ 0.50% · 4.625%
HK$31,595
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,026/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,714
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,669
−HK$971/mo
Today · 4.125%
HK$32,640
baseline
▲ 0.50% · 4.625%
HK$34,626
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,280/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,169
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,085
−HK$930/mo
Today · 4.125%
HK$36,015
baseline
▲ 0.50% · 4.625%
HK$37,914
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,030/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,833
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,948
−HK$1,132/mo
Today · 4.125%
HK$38,080
baseline
▲ 0.50% · 4.625%
HK$40,397
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,160/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,864
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,933
−HK$1,085/mo
Today · 4.125%
HK$42,018
baseline
▲ 0.50% · 4.625%
HK$44,232
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,036/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,071
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,504
−HK$1,456/mo
Today · 4.125%
HK$48,960
baseline
▲ 0.50% · 4.625%
HK$51,939
+HK$2,979/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,920/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,254
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,628
−HK$1,395/mo
Today · 4.125%
HK$54,023
baseline
▲ 0.50% · 4.625%
HK$56,870
+HK$2,847/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,046/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,924 · Scale 2, in force from 26 Feb 2026)