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$28,919
+HK$1,658/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$421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,303
−HK$776/mo
Today · 4.125%
HK$30,079
baseline
▲ 0.50% · 4.625%
HK$31,665
+HK$1,586/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,158/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,782
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,740
−HK$973/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,703
+HK$1,990/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$421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,245
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,164
−HK$931/mo
Today · 4.125%
HK$36,095
baseline
▲ 0.50% · 4.625%
HK$37,998
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,190/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,913
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,030
−HK$1,135/mo
Today · 4.125%
HK$38,165
baseline
▲ 0.50% · 4.625%
HK$40,487
+HK$2,322/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$421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,953
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,024
−HK$1,087/mo
Today · 4.125%
HK$42,111
baseline
▲ 0.50% · 4.625%
HK$44,331
+HK$2,220/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,222/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,174
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,610
−HK$1,459/mo
Today · 4.125%
HK$49,069
baseline
▲ 0.50% · 4.625%
HK$52,055
+HK$2,986/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,138/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,368
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,745
−HK$1,398/mo
Today · 4.125%
HK$54,143
baseline
▲ 0.50% · 4.625%
HK$56,997
+HK$2,854/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,286/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,861 · Scale 2, in force from 26 Feb 2026)