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$25,572
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,367
−HK$809/mo
Today · 4.125%
HK$27,176
baseline
▲ 0.50% · 4.625%
HK$28,829
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,352/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,449
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,212
−HK$774/mo
Today · 4.125%
HK$29,986
baseline
▲ 0.50% · 4.625%
HK$31,566
+HK$1,580/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,972/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,686
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,641
−HK$970/mo
Today · 4.125%
HK$32,611
baseline
▲ 0.50% · 4.625%
HK$34,595
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,222/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,138
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,054
−HK$929/mo
Today · 4.125%
HK$35,983
baseline
▲ 0.50% · 4.625%
HK$37,879
+HK$1,896/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,966/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,801
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,914
−HK$1,132/mo
Today · 4.125%
HK$38,046
baseline
▲ 0.50% · 4.625%
HK$40,361
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,092/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,828
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,896
−HK$1,084/mo
Today · 4.125%
HK$41,980
baseline
▲ 0.50% · 4.625%
HK$44,193
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,960/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,030
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,461
−HK$1,455/mo
Today · 4.125%
HK$48,916
baseline
▲ 0.50% · 4.625%
HK$51,893
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,832/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,208
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,581
−HK$1,393/mo
Today · 4.125%
HK$53,974
baseline
▲ 0.50% · 4.625%
HK$56,819
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,948/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,546 · Scale 2, in force from 26 Feb 2026)