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$25,625
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,422
−HK$810/mo
Today · 4.125%
HK$27,232
baseline
▲ 0.50% · 4.625%
HK$28,889
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,464/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,508
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,272
−HK$776/mo
Today · 4.125%
HK$30,048
baseline
▲ 0.50% · 4.625%
HK$31,632
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,096/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,750
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,706
−HK$972/mo
Today · 4.125%
HK$32,678
baseline
▲ 0.50% · 4.625%
HK$34,667
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,356/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,209
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,127
−HK$930/mo
Today · 4.125%
HK$36,057
baseline
▲ 0.50% · 4.625%
HK$37,958
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,114/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,875
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,991
−HK$1,134/mo
Today · 4.125%
HK$38,125
baseline
▲ 0.50% · 4.625%
HK$40,444
+HK$2,319/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,250/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,911
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,981
−HK$1,086/mo
Today · 4.125%
HK$42,067
baseline
▲ 0.50% · 4.625%
HK$44,284
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,134/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,125
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,560
−HK$1,457/mo
Today · 4.125%
HK$49,017
baseline
▲ 0.50% · 4.625%
HK$52,000
+HK$2,983/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,034/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,314
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,690
−HK$1,396/mo
Today · 4.125%
HK$54,086
baseline
▲ 0.50% · 4.625%
HK$56,937
+HK$2,851/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,172/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,417 · Scale 2, in force from 26 Feb 2026)