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$25,593
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,389
−HK$809/mo
Today · 4.125%
HK$27,198
baseline
▲ 0.50% · 4.625%
HK$28,853
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,396/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,472
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,236
−HK$774/mo
Today · 4.125%
HK$30,010
baseline
▲ 0.50% · 4.625%
HK$31,592
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,020/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,712
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,667
−HK$971/mo
Today · 4.125%
HK$32,638
baseline
▲ 0.50% · 4.625%
HK$34,623
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,276/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,166
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,083
−HK$929/mo
Today · 4.125%
HK$36,012
baseline
▲ 0.50% · 4.625%
HK$37,911
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,024/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,830
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,945
−HK$1,132/mo
Today · 4.125%
HK$38,077
baseline
▲ 0.50% · 4.625%
HK$40,394
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,154/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,861
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,930
−HK$1,084/mo
Today · 4.125%
HK$42,014
baseline
▲ 0.50% · 4.625%
HK$44,229
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,028/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,067
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,500
−HK$1,456/mo
Today · 4.125%
HK$48,956
baseline
▲ 0.50% · 4.625%
HK$51,935
+HK$2,979/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,912/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,250
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,624
−HK$1,394/mo
Today · 4.125%
HK$54,018
baseline
▲ 0.50% · 4.625%
HK$56,866
+HK$2,848/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,036/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,891 · Scale 2, in force from 26 Feb 2026)