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$25,650
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,448
−HK$811/mo
Today · 4.125%
HK$27,259
baseline
▲ 0.50% · 4.625%
HK$28,918
+HK$1,659/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,518/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,536
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,301
−HK$777/mo
Today · 4.125%
HK$30,078
baseline
▲ 0.50% · 4.625%
HK$31,663
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,156/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,780
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,738
−HK$973/mo
Today · 4.125%
HK$32,711
baseline
▲ 0.50% · 4.625%
HK$34,701
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,422/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,243
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,161
−HK$932/mo
Today · 4.125%
HK$36,093
baseline
▲ 0.50% · 4.625%
HK$37,996
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,186/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,911
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,028
−HK$1,134/mo
Today · 4.125%
HK$38,162
baseline
▲ 0.50% · 4.625%
HK$40,485
+HK$2,323/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,324/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,950
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,022
−HK$1,087/mo
Today · 4.125%
HK$42,109
baseline
▲ 0.50% · 4.625%
HK$44,328
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,218/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,171
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,607
−HK$1,459/mo
Today · 4.125%
HK$49,066
baseline
▲ 0.50% · 4.625%
HK$52,052
+HK$2,986/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,132/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,364
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,742
−HK$1,398/mo
Today · 4.125%
HK$54,140
baseline
▲ 0.50% · 4.625%
HK$56,993
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,280/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,835 · Scale 2, in force from 26 Feb 2026)