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$25,568
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,363
−HK$808/mo
Today · 4.125%
HK$27,171
baseline
▲ 0.50% · 4.625%
HK$28,824
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,342/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,444
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,207
−HK$774/mo
Today · 4.125%
HK$29,981
baseline
▲ 0.50% · 4.625%
HK$31,561
+HK$1,580/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,962/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,681
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,636
−HK$969/mo
Today · 4.125%
HK$32,605
baseline
▲ 0.50% · 4.625%
HK$34,589
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,210/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,133
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,048
−HK$929/mo
Today · 4.125%
HK$35,977
baseline
▲ 0.50% · 4.625%
HK$37,873
+HK$1,896/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,954/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,795
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,908
−HK$1,131/mo
Today · 4.125%
HK$38,039
baseline
▲ 0.50% · 4.625%
HK$40,354
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,078/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,821
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,889
−HK$1,084/mo
Today · 4.125%
HK$41,973
baseline
▲ 0.50% · 4.625%
HK$44,185
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,946/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,022
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,453
−HK$1,455/mo
Today · 4.125%
HK$48,908
baseline
▲ 0.50% · 4.625%
HK$51,884
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,816/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,199
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,572
−HK$1,393/mo
Today · 4.125%
HK$53,965
baseline
▲ 0.50% · 4.625%
HK$56,810
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,930/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,475 · Scale 2, in force from 26 Feb 2026)