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$25,648
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,445
−HK$811/mo
Today · 4.125%
HK$27,256
baseline
▲ 0.50% · 4.625%
HK$28,914
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,512/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,533
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,298
−HK$776/mo
Today · 4.125%
HK$30,074
baseline
▲ 0.50% · 4.625%
HK$31,660
+HK$1,586/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,148/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,777
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,735
−HK$972/mo
Today · 4.125%
HK$32,707
baseline
▲ 0.50% · 4.625%
HK$34,697
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,414/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,239
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,158
−HK$931/mo
Today · 4.125%
HK$36,089
baseline
▲ 0.50% · 4.625%
HK$37,991
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,178/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,907
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,024
−HK$1,134/mo
Today · 4.125%
HK$38,158
baseline
▲ 0.50% · 4.625%
HK$40,480
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,316/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,946
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,017
−HK$1,087/mo
Today · 4.125%
HK$42,104
baseline
▲ 0.50% · 4.625%
HK$44,323
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,208/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,166
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,602
−HK$1,459/mo
Today · 4.125%
HK$49,061
baseline
▲ 0.50% · 4.625%
HK$52,046
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,122/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,359
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,736
−HK$1,398/mo
Today · 4.125%
HK$54,134
baseline
▲ 0.50% · 4.625%
HK$56,987
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,268/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,789 · Scale 2, in force from 26 Feb 2026)