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$25,680
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,478
−HK$812/mo
Today · 4.125%
HK$27,290
baseline
▲ 0.50% · 4.625%
HK$28,951
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,580/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,568
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,335
−HK$777/mo
Today · 4.125%
HK$30,112
baseline
▲ 0.50% · 4.625%
HK$31,699
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,224/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,816
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,774
−HK$974/mo
Today · 4.125%
HK$32,748
baseline
▲ 0.50% · 4.625%
HK$34,741
+HK$1,993/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$65,496/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,282
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,201
−HK$933/mo
Today · 4.125%
HK$36,134
baseline
▲ 0.50% · 4.625%
HK$38,039
+HK$1,905/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$72,268/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,952
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,070
−HK$1,136/mo
Today · 4.125%
HK$38,206
baseline
▲ 0.50% · 4.625%
HK$40,531
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,412/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,996
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,068
−HK$1,089/mo
Today · 4.125%
HK$42,157
baseline
▲ 0.50% · 4.625%
HK$44,379
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,314/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,223
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,661
−HK$1,461/mo
Today · 4.125%
HK$49,122
baseline
▲ 0.50% · 4.625%
HK$52,111
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,244/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,423
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,802
−HK$1,399/mo
Today · 4.125%
HK$54,201
baseline
▲ 0.50% · 4.625%
HK$57,058
+HK$2,857/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,402/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,316 · Scale 2, in force from 26 Feb 2026)