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$25,565
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,361
−HK$808/mo
Today · 4.125%
HK$27,169
baseline
▲ 0.50% · 4.625%
HK$28,822
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,338/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,441
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,204
−HK$774/mo
Today · 4.125%
HK$29,978
baseline
▲ 0.50% · 4.625%
HK$31,558
+HK$1,580/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,956/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,679
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,633
−HK$969/mo
Today · 4.125%
HK$32,602
baseline
▲ 0.50% · 4.625%
HK$34,586
+HK$1,984/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,204/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,130
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,045
−HK$928/mo
Today · 4.125%
HK$35,973
baseline
▲ 0.50% · 4.625%
HK$37,870
+HK$1,897/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,946/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,792
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,905
−HK$1,131/mo
Today · 4.125%
HK$38,036
baseline
▲ 0.50% · 4.625%
HK$40,350
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,072/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,818
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,886
−HK$1,083/mo
Today · 4.125%
HK$41,969
baseline
▲ 0.50% · 4.625%
HK$44,181
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,938/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,018
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,449
−HK$1,455/mo
Today · 4.125%
HK$48,904
baseline
▲ 0.50% · 4.625%
HK$51,879
+HK$2,975/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,808/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,194
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,567
−HK$1,393/mo
Today · 4.125%
HK$53,960
baseline
▲ 0.50% · 4.625%
HK$56,805
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,920/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,437 · Scale 2, in force from 26 Feb 2026)