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$25,666
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$811/mo
Today · 4.125%
HK$27,275
baseline
▲ 0.50% · 4.625%
HK$28,935
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,550/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,553
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,318
−HK$777/mo
Today · 4.125%
HK$30,095
baseline
▲ 0.50% · 4.625%
HK$31,682
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,190/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,799
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,757
−HK$973/mo
Today · 4.125%
HK$32,730
baseline
▲ 0.50% · 4.625%
HK$34,722
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,460/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,263
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,182
−HK$932/mo
Today · 4.125%
HK$36,114
baseline
▲ 0.50% · 4.625%
HK$38,018
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,228/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,932
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,049
−HK$1,136/mo
Today · 4.125%
HK$38,185
baseline
▲ 0.50% · 4.625%
HK$40,508
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,370/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,974
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,046
−HK$1,087/mo
Today · 4.125%
HK$42,133
baseline
▲ 0.50% · 4.625%
HK$44,354
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,266/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,198
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,635
−HK$1,460/mo
Today · 4.125%
HK$49,095
baseline
▲ 0.50% · 4.625%
HK$52,082
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,190/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,395
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,773
−HK$1,398/mo
Today · 4.125%
HK$54,171
baseline
▲ 0.50% · 4.625%
HK$57,027
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,342/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,083 · Scale 2, in force from 26 Feb 2026)