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$25,649
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,447
−HK$811/mo
Today · 4.125%
HK$27,258
baseline
▲ 0.50% · 4.625%
HK$28,916
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,516/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,535
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,300
−HK$776/mo
Today · 4.125%
HK$30,076
baseline
▲ 0.50% · 4.625%
HK$31,661
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,152/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,779
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,736
−HK$973/mo
Today · 4.125%
HK$32,709
baseline
▲ 0.50% · 4.625%
HK$34,699
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,418/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,241
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,160
−HK$931/mo
Today · 4.125%
HK$36,091
baseline
▲ 0.50% · 4.625%
HK$37,994
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,182/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,909
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,026
−HK$1,135/mo
Today · 4.125%
HK$38,161
baseline
▲ 0.50% · 4.625%
HK$40,483
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,322/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,948
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,020
−HK$1,087/mo
Today · 4.125%
HK$42,107
baseline
▲ 0.50% · 4.625%
HK$44,326
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,214/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,169
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,605
−HK$1,459/mo
Today · 4.125%
HK$49,064
baseline
▲ 0.50% · 4.625%
HK$52,049
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,128/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,362
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,740
−HK$1,397/mo
Today · 4.125%
HK$54,137
baseline
▲ 0.50% · 4.625%
HK$56,991
+HK$2,854/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,274/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,815 · Scale 2, in force from 26 Feb 2026)