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$25,634
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,431
−HK$810/mo
Today · 4.125%
HK$27,241
baseline
▲ 0.50% · 4.625%
HK$28,899
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,482/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,517
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,282
−HK$776/mo
Today · 4.125%
HK$30,058
baseline
▲ 0.50% · 4.625%
HK$31,642
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,116/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,760
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,717
−HK$972/mo
Today · 4.125%
HK$32,689
baseline
▲ 0.50% · 4.625%
HK$34,678
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,378/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,220
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,138
−HK$931/mo
Today · 4.125%
HK$36,069
baseline
▲ 0.50% · 4.625%
HK$37,971
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,138/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,887
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,003
−HK$1,134/mo
Today · 4.125%
HK$38,137
baseline
▲ 0.50% · 4.625%
HK$40,458
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,274/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,924
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,995
−HK$1,086/mo
Today · 4.125%
HK$42,081
baseline
▲ 0.50% · 4.625%
HK$44,299
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,162/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,140
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,576
−HK$1,458/mo
Today · 4.125%
HK$49,034
baseline
▲ 0.50% · 4.625%
HK$52,017
+HK$2,983/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,068/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,331
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,707
−HK$1,397/mo
Today · 4.125%
HK$54,104
baseline
▲ 0.50% · 4.625%
HK$56,956
+HK$2,852/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,208/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,557 · Scale 2, in force from 26 Feb 2026)