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$25,578
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,374
−HK$808/mo
Today · 4.125%
HK$27,182
baseline
▲ 0.50% · 4.625%
HK$28,836
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,364/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,455
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,218
−HK$775/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,574
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,694
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,648
−HK$970/mo
Today · 4.125%
HK$32,618
baseline
▲ 0.50% · 4.625%
HK$34,603
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,236/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,146
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,062
−HK$929/mo
Today · 4.125%
HK$35,991
baseline
▲ 0.50% · 4.625%
HK$37,888
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,982/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,809
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,923
−HK$1,132/mo
Today · 4.125%
HK$38,055
baseline
▲ 0.50% · 4.625%
HK$40,370
+HK$2,315/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,110/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,837
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,906
−HK$1,084/mo
Today · 4.125%
HK$41,990
baseline
▲ 0.50% · 4.625%
HK$44,203
+HK$2,213/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$83,980/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,040
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,473
−HK$1,455/mo
Today · 4.125%
HK$48,928
baseline
▲ 0.50% · 4.625%
HK$51,905
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,856/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,220
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,593
−HK$1,394/mo
Today · 4.125%
HK$53,987
baseline
▲ 0.50% · 4.625%
HK$56,833
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$107,974/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,645 · Scale 2, in force from 26 Feb 2026)