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$25,574
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,370
−HK$808/mo
Today · 4.125%
HK$27,178
baseline
▲ 0.50% · 4.625%
HK$28,832
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,356/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,451
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,214
−HK$774/mo
Today · 4.125%
HK$29,988
baseline
▲ 0.50% · 4.625%
HK$31,569
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,976/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,689
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,644
−HK$970/mo
Today · 4.125%
HK$32,614
baseline
▲ 0.50% · 4.625%
HK$34,598
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,228/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,141
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,057
−HK$929/mo
Today · 4.125%
HK$35,986
baseline
▲ 0.50% · 4.625%
HK$37,883
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,972/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,804
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,918
−HK$1,131/mo
Today · 4.125%
HK$38,049
baseline
▲ 0.50% · 4.625%
HK$40,365
+HK$2,316/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,098/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,832
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,900
−HK$1,084/mo
Today · 4.125%
HK$41,984
baseline
▲ 0.50% · 4.625%
HK$44,197
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,968/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,034
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,466
−HK$1,455/mo
Today · 4.125%
HK$48,921
baseline
▲ 0.50% · 4.625%
HK$51,897
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,842/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,212
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,586
−HK$1,393/mo
Today · 4.125%
HK$53,979
baseline
▲ 0.50% · 4.625%
HK$56,824
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,958/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,584 · Scale 2, in force from 26 Feb 2026)