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$25,652
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,450
−HK$811/mo
Today · 4.125%
HK$27,261
baseline
▲ 0.50% · 4.625%
HK$28,920
+HK$1,659/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,522/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,303
−HK$777/mo
Today · 4.125%
HK$30,080
baseline
▲ 0.50% · 4.625%
HK$31,665
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,160/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,783
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,740
−HK$973/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,704
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,246
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,164
−HK$932/mo
Today · 4.125%
HK$36,096
baseline
▲ 0.50% · 4.625%
HK$37,999
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,192/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,913
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,031
−HK$1,134/mo
Today · 4.125%
HK$38,165
baseline
▲ 0.50% · 4.625%
HK$40,488
+HK$2,323/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,330/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,953
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,025
−HK$1,087/mo
Today · 4.125%
HK$42,112
baseline
▲ 0.50% · 4.625%
HK$44,332
+HK$2,220/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,224/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,174
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,611
−HK$1,459/mo
Today · 4.125%
HK$49,070
baseline
▲ 0.50% · 4.625%
HK$52,056
+HK$2,986/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,140/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,369
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,746
−HK$1,398/mo
Today · 4.125%
HK$54,144
baseline
▲ 0.50% · 4.625%
HK$56,998
+HK$2,854/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,288/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,868 · Scale 2, in force from 26 Feb 2026)