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$25,673
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,472
−HK$811/mo
Today · 4.125%
HK$27,283
baseline
▲ 0.50% · 4.625%
HK$28,943
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,566/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,561
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,327
−HK$777/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,691
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,808
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,766
−HK$973/mo
Today · 4.125%
HK$32,739
baseline
▲ 0.50% · 4.625%
HK$34,732
+HK$1,993/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$65,478/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,273
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,192
−HK$933/mo
Today · 4.125%
HK$36,125
baseline
▲ 0.50% · 4.625%
HK$38,029
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$72,250/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,942
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,060
−HK$1,136/mo
Today · 4.125%
HK$38,196
baseline
▲ 0.50% · 4.625%
HK$40,520
+HK$2,324/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,392/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,985
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,058
−HK$1,088/mo
Today · 4.125%
HK$42,146
baseline
▲ 0.50% · 4.625%
HK$44,367
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,292/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,211
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,649
−HK$1,460/mo
Today · 4.125%
HK$49,109
baseline
▲ 0.50% · 4.625%
HK$52,097
+HK$2,988/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,218/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,410
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,788
−HK$1,399/mo
Today · 4.125%
HK$54,187
baseline
▲ 0.50% · 4.625%
HK$57,043
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,374/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,206 · Scale 2, in force from 26 Feb 2026)