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$25,630
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$810/mo
Today · 4.125%
HK$27,237
baseline
▲ 0.50% · 4.625%
HK$28,894
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,474/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,513
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,278
−HK$775/mo
Today · 4.125%
HK$30,053
baseline
▲ 0.50% · 4.625%
HK$31,638
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,106/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,756
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,712
−HK$972/mo
Today · 4.125%
HK$32,684
baseline
▲ 0.50% · 4.625%
HK$34,673
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,368/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,215
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,133
−HK$931/mo
Today · 4.125%
HK$36,064
baseline
▲ 0.50% · 4.625%
HK$37,965
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,128/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,882
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,998
−HK$1,134/mo
Today · 4.125%
HK$38,132
baseline
▲ 0.50% · 4.625%
HK$40,452
+HK$2,320/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,264/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,918
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,989
−HK$1,086/mo
Today · 4.125%
HK$42,075
baseline
▲ 0.50% · 4.625%
HK$44,293
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,150/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,134
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,569
−HK$1,458/mo
Today · 4.125%
HK$49,027
baseline
▲ 0.50% · 4.625%
HK$52,010
+HK$2,983/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,054/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,323
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,700
−HK$1,396/mo
Today · 4.125%
HK$54,096
baseline
▲ 0.50% · 4.625%
HK$56,948
+HK$2,852/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,192/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,496 · Scale 2, in force from 26 Feb 2026)