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$25,574
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,369
−HK$809/mo
Today · 4.125%
HK$27,178
baseline
▲ 0.50% · 4.625%
HK$28,831
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,356/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,451
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,214
−HK$774/mo
Today · 4.125%
HK$29,988
baseline
▲ 0.50% · 4.625%
HK$31,569
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,976/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,689
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,643
−HK$970/mo
Today · 4.125%
HK$32,613
baseline
▲ 0.50% · 4.625%
HK$34,598
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,226/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,141
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,057
−HK$928/mo
Today · 4.125%
HK$35,985
baseline
▲ 0.50% · 4.625%
HK$37,882
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,970/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,804
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,917
−HK$1,132/mo
Today · 4.125%
HK$38,049
baseline
▲ 0.50% · 4.625%
HK$40,364
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,098/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,831
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,899
−HK$1,084/mo
Today · 4.125%
HK$41,983
baseline
▲ 0.50% · 4.625%
HK$44,196
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,966/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,033
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,465
−HK$1,455/mo
Today · 4.125%
HK$48,920
baseline
▲ 0.50% · 4.625%
HK$51,896
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,840/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,211
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,585
−HK$1,393/mo
Today · 4.125%
HK$53,978
baseline
▲ 0.50% · 4.625%
HK$56,823
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,956/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,577 · Scale 2, in force from 26 Feb 2026)