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$25,582
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,378
−HK$808/mo
Today · 4.125%
HK$27,186
baseline
▲ 0.50% · 4.625%
HK$28,841
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,372/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,460
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,223
−HK$775/mo
Today · 4.125%
HK$29,998
baseline
▲ 0.50% · 4.625%
HK$31,579
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,996/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,699
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,654
−HK$970/mo
Today · 4.125%
HK$32,624
baseline
▲ 0.50% · 4.625%
HK$34,609
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,248/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,152
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,068
−HK$929/mo
Today · 4.125%
HK$35,997
baseline
▲ 0.50% · 4.625%
HK$37,895
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,994/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,815
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,929
−HK$1,132/mo
Today · 4.125%
HK$38,061
baseline
▲ 0.50% · 4.625%
HK$40,377
+HK$2,316/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,122/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,844
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,913
−HK$1,084/mo
Today · 4.125%
HK$41,997
baseline
▲ 0.50% · 4.625%
HK$44,210
+HK$2,213/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$83,994/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,048
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,480
−HK$1,456/mo
Today · 4.125%
HK$48,936
baseline
▲ 0.50% · 4.625%
HK$51,913
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,872/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,228
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,602
−HK$1,394/mo
Today · 4.125%
HK$53,996
baseline
▲ 0.50% · 4.625%
HK$56,842
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$107,992/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,713 · Scale 2, in force from 26 Feb 2026)