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$25,566
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,361
−HK$808/mo
Today · 4.125%
HK$27,169
baseline
▲ 0.50% · 4.625%
HK$28,823
+HK$1,654/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$420,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,442
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,205
−HK$774/mo
Today · 4.125%
HK$29,979
baseline
▲ 0.50% · 4.625%
HK$31,559
+HK$1,580/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,958/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,679
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,634
−HK$969/mo
Today · 4.125%
HK$32,603
baseline
▲ 0.50% · 4.625%
HK$34,587
+HK$1,984/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,206/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,131
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,046
−HK$929/mo
Today · 4.125%
HK$35,975
baseline
▲ 0.50% · 4.625%
HK$37,871
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,950/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,793
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,906
−HK$1,131/mo
Today · 4.125%
HK$38,037
baseline
▲ 0.50% · 4.625%
HK$40,352
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,074/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,819
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,887
−HK$1,083/mo
Today · 4.125%
HK$41,970
baseline
▲ 0.50% · 4.625%
HK$44,183
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,940/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,019
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,451
−HK$1,454/mo
Today · 4.125%
HK$48,905
baseline
▲ 0.50% · 4.625%
HK$51,881
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,810/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,196
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,569
−HK$1,393/mo
Today · 4.125%
HK$53,962
baseline
▲ 0.50% · 4.625%
HK$56,806
+HK$2,844/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,924/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,450 · Scale 2, in force from 26 Feb 2026)