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$25,587
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,383
−HK$809/mo
Today · 4.125%
HK$27,192
baseline
▲ 0.50% · 4.625%
HK$28,847
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,384/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,466
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,229
−HK$775/mo
Today · 4.125%
HK$30,004
baseline
▲ 0.50% · 4.625%
HK$31,585
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,008/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,705
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,660
−HK$970/mo
Today · 4.125%
HK$32,630
baseline
▲ 0.50% · 4.625%
HK$34,616
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,260/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,159
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,075
−HK$929/mo
Today · 4.125%
HK$36,004
baseline
▲ 0.50% · 4.625%
HK$37,902
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,008/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,822
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,937
−HK$1,132/mo
Today · 4.125%
HK$38,069
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,316/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,138/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,852
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,921
−HK$1,084/mo
Today · 4.125%
HK$42,005
baseline
▲ 0.50% · 4.625%
HK$44,219
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$84,010/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,057
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,490
−HK$1,456/mo
Today · 4.125%
HK$48,946
baseline
▲ 0.50% · 4.625%
HK$51,924
+HK$2,978/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,892/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,238
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,613
−HK$1,394/mo
Today · 4.125%
HK$54,007
baseline
▲ 0.50% · 4.625%
HK$56,853
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,014/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,799 · Scale 2, in force from 26 Feb 2026)