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$25,648
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,446
−HK$810/mo
Today · 4.125%
HK$27,256
baseline
▲ 0.50% · 4.625%
HK$28,915
+HK$1,659/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,512/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,533
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,298
−HK$777/mo
Today · 4.125%
HK$30,075
baseline
▲ 0.50% · 4.625%
HK$31,660
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,150/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,778
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,735
−HK$973/mo
Today · 4.125%
HK$32,708
baseline
▲ 0.50% · 4.625%
HK$34,698
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,416/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,240
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,158
−HK$932/mo
Today · 4.125%
HK$36,090
baseline
▲ 0.50% · 4.625%
HK$37,992
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,180/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,907
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,024
−HK$1,135/mo
Today · 4.125%
HK$38,159
baseline
▲ 0.50% · 4.625%
HK$40,481
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,318/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,946
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,018
−HK$1,086/mo
Today · 4.125%
HK$42,104
baseline
▲ 0.50% · 4.625%
HK$44,324
+HK$2,220/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,208/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,166
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,602
−HK$1,459/mo
Today · 4.125%
HK$49,061
baseline
▲ 0.50% · 4.625%
HK$52,047
+HK$2,986/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,122/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,360
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,737
−HK$1,397/mo
Today · 4.125%
HK$54,134
baseline
▲ 0.50% · 4.625%
HK$56,988
+HK$2,854/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,268/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,794 · Scale 2, in force from 26 Feb 2026)