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$25,658
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,456
−HK$811/mo
Today · 4.125%
HK$27,267
baseline
▲ 0.50% · 4.625%
HK$28,926
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,534/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,544
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,310
−HK$776/mo
Today · 4.125%
HK$30,086
baseline
▲ 0.50% · 4.625%
HK$31,672
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,172/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,789
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,747
−HK$973/mo
Today · 4.125%
HK$32,720
baseline
▲ 0.50% · 4.625%
HK$34,711
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,440/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,253
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,171
−HK$932/mo
Today · 4.125%
HK$36,103
baseline
▲ 0.50% · 4.625%
HK$38,006
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,206/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,921
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,038
−HK$1,135/mo
Today · 4.125%
HK$38,173
baseline
▲ 0.50% · 4.625%
HK$40,496
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,346/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,962
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,033
−HK$1,088/mo
Today · 4.125%
HK$42,121
baseline
▲ 0.50% · 4.625%
HK$44,341
+HK$2,220/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,242/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,184
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,621
−HK$1,459/mo
Today · 4.125%
HK$49,080
baseline
▲ 0.50% · 4.625%
HK$52,067
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,160/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,379
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,757
−HK$1,398/mo
Today · 4.125%
HK$54,155
baseline
▲ 0.50% · 4.625%
HK$57,010
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,310/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,956 · Scale 2, in force from 26 Feb 2026)