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$25,577
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,372
−HK$809/mo
Today · 4.125%
HK$27,181
baseline
▲ 0.50% · 4.625%
HK$28,835
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,362/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,454
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,217
−HK$774/mo
Today · 4.125%
HK$29,991
baseline
▲ 0.50% · 4.625%
HK$31,572
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,982/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,692
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,647
−HK$970/mo
Today · 4.125%
HK$32,617
baseline
▲ 0.50% · 4.625%
HK$34,601
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,234/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,145
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,060
−HK$929/mo
Today · 4.125%
HK$35,989
baseline
▲ 0.50% · 4.625%
HK$37,886
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,978/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,807
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,921
−HK$1,132/mo
Today · 4.125%
HK$38,053
baseline
▲ 0.50% · 4.625%
HK$40,368
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,106/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,835
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,904
−HK$1,084/mo
Today · 4.125%
HK$41,988
baseline
▲ 0.50% · 4.625%
HK$44,201
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,976/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,038
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,470
−HK$1,455/mo
Today · 4.125%
HK$48,925
baseline
▲ 0.50% · 4.625%
HK$51,902
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,850/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,217
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,591
−HK$1,393/mo
Today · 4.125%
HK$53,984
baseline
▲ 0.50% · 4.625%
HK$56,830
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,968/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,624 · Scale 2, in force from 26 Feb 2026)