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$25,562
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,357
−HK$808/mo
Today · 4.125%
HK$27,165
baseline
▲ 0.50% · 4.625%
HK$28,818
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,330/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,438
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,200
−HK$774/mo
Today · 4.125%
HK$29,974
baseline
▲ 0.50% · 4.625%
HK$31,554
+HK$1,580/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,948/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,675
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,629
−HK$969/mo
Today · 4.125%
HK$32,598
baseline
▲ 0.50% · 4.625%
HK$34,582
+HK$1,984/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,196/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,125
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,040
−HK$929/mo
Today · 4.125%
HK$35,969
baseline
▲ 0.50% · 4.625%
HK$37,865
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,938/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,787
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,900
−HK$1,131/mo
Today · 4.125%
HK$38,031
baseline
▲ 0.50% · 4.625%
HK$40,345
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,062/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,813
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,881
−HK$1,083/mo
Today · 4.125%
HK$41,964
baseline
▲ 0.50% · 4.625%
HK$44,176
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,928/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,012
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,443
−HK$1,454/mo
Today · 4.125%
HK$48,897
baseline
▲ 0.50% · 4.625%
HK$51,873
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,794/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,188
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,561
−HK$1,392/mo
Today · 4.125%
HK$53,953
baseline
▲ 0.50% · 4.625%
HK$56,797
+HK$2,844/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,906/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,384 · Scale 2, in force from 26 Feb 2026)