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$25,598
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,394
−HK$809/mo
Today · 4.125%
HK$27,203
baseline
▲ 0.50% · 4.625%
HK$28,858
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,406/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,477
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,241
−HK$775/mo
Today · 4.125%
HK$30,016
baseline
▲ 0.50% · 4.625%
HK$31,598
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,032/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,717
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,673
−HK$971/mo
Today · 4.125%
HK$32,644
baseline
▲ 0.50% · 4.625%
HK$34,630
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,288/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,173
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,089
−HK$930/mo
Today · 4.125%
HK$36,019
baseline
▲ 0.50% · 4.625%
HK$37,918
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,038/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,837
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,952
−HK$1,132/mo
Today · 4.125%
HK$38,084
baseline
▲ 0.50% · 4.625%
HK$40,402
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,168/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,868
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,937
−HK$1,085/mo
Today · 4.125%
HK$42,022
baseline
▲ 0.50% · 4.625%
HK$44,237
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,044/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,076
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,509
−HK$1,456/mo
Today · 4.125%
HK$48,965
baseline
▲ 0.50% · 4.625%
HK$51,945
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,930/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,259
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,634
−HK$1,395/mo
Today · 4.125%
HK$54,029
baseline
▲ 0.50% · 4.625%
HK$56,876
+HK$2,847/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,058/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,970 · Scale 2, in force from 26 Feb 2026)