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$25,580
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,376
−HK$808/mo
Today · 4.125%
HK$27,184
baseline
▲ 0.50% · 4.625%
HK$28,838
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,368/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,458
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,221
−HK$774/mo
Today · 4.125%
HK$29,995
baseline
▲ 0.50% · 4.625%
HK$31,576
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,990/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,696
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,651
−HK$970/mo
Today · 4.125%
HK$32,621
baseline
▲ 0.50% · 4.625%
HK$34,606
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,242/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,149
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,065
−HK$929/mo
Today · 4.125%
HK$35,994
baseline
▲ 0.50% · 4.625%
HK$37,891
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,988/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,812
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,926
−HK$1,132/mo
Today · 4.125%
HK$38,058
baseline
▲ 0.50% · 4.625%
HK$40,374
+HK$2,316/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,116/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,841
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,909
−HK$1,084/mo
Today · 4.125%
HK$41,993
baseline
▲ 0.50% · 4.625%
HK$44,207
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$83,986/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,044
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,477
−HK$1,455/mo
Today · 4.125%
HK$48,932
baseline
▲ 0.50% · 4.625%
HK$51,909
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,864/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,224
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,598
−HK$1,393/mo
Today · 4.125%
HK$53,991
baseline
▲ 0.50% · 4.625%
HK$56,837
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$107,982/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,680 · Scale 2, in force from 26 Feb 2026)