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$25,568
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,363
−HK$808/mo
Today · 4.125%
HK$27,171
baseline
▲ 0.50% · 4.625%
HK$28,824
+HK$1,653/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,342/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,444
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,206
−HK$774/mo
Today · 4.125%
HK$29,980
baseline
▲ 0.50% · 4.625%
HK$31,561
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,960/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,681
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,635
−HK$970/mo
Today · 4.125%
HK$32,605
baseline
▲ 0.50% · 4.625%
HK$34,589
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,210/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,132
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,048
−HK$928/mo
Today · 4.125%
HK$35,976
baseline
▲ 0.50% · 4.625%
HK$37,873
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,952/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,795
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,908
−HK$1,131/mo
Today · 4.125%
HK$38,039
baseline
▲ 0.50% · 4.625%
HK$40,354
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,078/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,821
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,889
−HK$1,083/mo
Today · 4.125%
HK$41,972
baseline
▲ 0.50% · 4.625%
HK$44,185
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,944/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,022
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,453
−HK$1,454/mo
Today · 4.125%
HK$48,907
baseline
▲ 0.50% · 4.625%
HK$51,883
+HK$2,976/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,814/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,198
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,572
−HK$1,393/mo
Today · 4.125%
HK$53,965
baseline
▲ 0.50% · 4.625%
HK$56,809
+HK$2,844/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,930/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,471 · Scale 2, in force from 26 Feb 2026)