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$25,590
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,386
−HK$809/mo
Today · 4.125%
HK$27,195
baseline
▲ 0.50% · 4.625%
HK$28,850
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,390/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,469
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,232
−HK$775/mo
Today · 4.125%
HK$30,007
baseline
▲ 0.50% · 4.625%
HK$31,589
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,014/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,708
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,664
−HK$970/mo
Today · 4.125%
HK$32,634
baseline
▲ 0.50% · 4.625%
HK$34,620
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,268/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,163
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,079
−HK$929/mo
Today · 4.125%
HK$36,008
baseline
▲ 0.50% · 4.625%
HK$37,906
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,016/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,826
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,941
−HK$1,132/mo
Today · 4.125%
HK$38,073
baseline
▲ 0.50% · 4.625%
HK$40,390
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,146/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,857
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,925
−HK$1,085/mo
Today · 4.125%
HK$42,010
baseline
▲ 0.50% · 4.625%
HK$44,224
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,020/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,063
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,495
−HK$1,456/mo
Today · 4.125%
HK$48,951
baseline
▲ 0.50% · 4.625%
HK$51,930
+HK$2,979/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,902/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,244
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,618
−HK$1,395/mo
Today · 4.125%
HK$54,013
baseline
▲ 0.50% · 4.625%
HK$56,860
+HK$2,847/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,026/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,846 · Scale 2, in force from 26 Feb 2026)