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$25,660
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,458
−HK$811/mo
Today · 4.125%
HK$27,269
baseline
▲ 0.50% · 4.625%
HK$28,928
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,538/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,546
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,312
−HK$776/mo
Today · 4.125%
HK$30,088
baseline
▲ 0.50% · 4.625%
HK$31,674
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,176/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,792
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,749
−HK$974/mo
Today · 4.125%
HK$32,723
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,446/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,255
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,174
−HK$932/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,009
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,924
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,041
−HK$1,135/mo
Today · 4.125%
HK$38,176
baseline
▲ 0.50% · 4.625%
HK$40,499
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,352/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,965
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,036
−HK$1,088/mo
Today · 4.125%
HK$42,124
baseline
▲ 0.50% · 4.625%
HK$44,344
+HK$2,220/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,248/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,187
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,624
−HK$1,460/mo
Today · 4.125%
HK$49,084
baseline
▲ 0.50% · 4.625%
HK$52,070
+HK$2,986/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,168/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,383
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,761
−HK$1,398/mo
Today · 4.125%
HK$54,159
baseline
▲ 0.50% · 4.625%
HK$57,014
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,318/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,988 · Scale 2, in force from 26 Feb 2026)