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$25,647
−HK$1,609/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$421,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,532
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,298
−HK$776/mo
Today · 4.125%
HK$30,074
baseline
▲ 0.50% · 4.625%
HK$31,659
+HK$1,585/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$421,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,777
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,734
−HK$973/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$421,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,239
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,157
−HK$932/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$421,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,906
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,023
−HK$1,135/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$421,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,945
−HK$2,159/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$421,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,165
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,601
−HK$1,459/mo
Today · 4.125%
HK$49,060
baseline
▲ 0.50% · 4.625%
HK$52,045
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,120/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,358
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,736
−HK$1,397/mo
Today · 4.125%
HK$54,133
baseline
▲ 0.50% · 4.625%
HK$56,987
+HK$2,854/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,266/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,785 · Scale 2, in force from 26 Feb 2026)