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$25,646
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$811/mo
Today · 4.125%
HK$27,254
baseline
▲ 0.50% · 4.625%
HK$28,912
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,508/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,531
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,296
−HK$776/mo
Today · 4.125%
HK$30,072
baseline
▲ 0.50% · 4.625%
HK$31,657
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,144/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,775
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,732
−HK$973/mo
Today · 4.125%
HK$32,705
baseline
▲ 0.50% · 4.625%
HK$34,695
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,410/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,237
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,155
−HK$931/mo
Today · 4.125%
HK$36,086
baseline
▲ 0.50% · 4.625%
HK$37,989
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,172/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,904
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,021
−HK$1,135/mo
Today · 4.125%
HK$38,156
baseline
▲ 0.50% · 4.625%
HK$40,477
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,312/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,943
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,014
−HK$1,087/mo
Today · 4.125%
HK$42,101
baseline
▲ 0.50% · 4.625%
HK$44,320
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,202/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,162
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,598
−HK$1,459/mo
Today · 4.125%
HK$49,057
baseline
▲ 0.50% · 4.625%
HK$52,042
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,114/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,355
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,733
−HK$1,397/mo
Today · 4.125%
HK$54,130
baseline
▲ 0.50% · 4.625%
HK$56,983
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,260/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,758 · Scale 2, in force from 26 Feb 2026)