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$25,641
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,438
−HK$811/mo
Today · 4.125%
HK$27,249
baseline
▲ 0.50% · 4.625%
HK$28,907
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,498/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,525
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,290
−HK$776/mo
Today · 4.125%
HK$30,066
baseline
▲ 0.50% · 4.625%
HK$31,651
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,132/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,769
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,726
−HK$972/mo
Today · 4.125%
HK$32,698
baseline
▲ 0.50% · 4.625%
HK$34,688
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,396/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,230
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,148
−HK$931/mo
Today · 4.125%
HK$36,079
baseline
▲ 0.50% · 4.625%
HK$37,981
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,158/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,897
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,014
−HK$1,134/mo
Today · 4.125%
HK$38,148
baseline
▲ 0.50% · 4.625%
HK$40,469
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,296/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,935
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,006
−HK$1,087/mo
Today · 4.125%
HK$42,093
baseline
▲ 0.50% · 4.625%
HK$44,311
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,186/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,153
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,589
−HK$1,459/mo
Today · 4.125%
HK$49,048
baseline
▲ 0.50% · 4.625%
HK$52,032
+HK$2,984/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,096/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,345
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,722
−HK$1,397/mo
Today · 4.125%
HK$54,119
baseline
▲ 0.50% · 4.625%
HK$56,972
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,238/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,676 · Scale 2, in force from 26 Feb 2026)