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$25,635
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,433
−HK$810/mo
Today · 4.125%
HK$27,243
baseline
▲ 0.50% · 4.625%
HK$28,900
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,486/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,519
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,284
−HK$776/mo
Today · 4.125%
HK$30,060
baseline
▲ 0.50% · 4.625%
HK$31,644
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,120/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,762
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,719
−HK$972/mo
Today · 4.125%
HK$32,691
baseline
▲ 0.50% · 4.625%
HK$34,681
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,382/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,223
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,141
−HK$931/mo
Today · 4.125%
HK$36,072
baseline
▲ 0.50% · 4.625%
HK$37,973
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,144/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,889
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,006
−HK$1,134/mo
Today · 4.125%
HK$38,140
baseline
▲ 0.50% · 4.625%
HK$40,461
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,280/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,927
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,997
−HK$1,087/mo
Today · 4.125%
HK$42,084
baseline
▲ 0.50% · 4.625%
HK$44,302
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,168/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,143
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,579
−HK$1,458/mo
Today · 4.125%
HK$49,037
baseline
▲ 0.50% · 4.625%
HK$52,021
+HK$2,984/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,074/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,334
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,711
−HK$1,397/mo
Today · 4.125%
HK$54,108
baseline
▲ 0.50% · 4.625%
HK$56,960
+HK$2,852/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,216/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,586 · Scale 2, in force from 26 Feb 2026)