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$421,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,544
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,310
−HK$777/mo
Today · 4.125%
HK$30,087
baseline
▲ 0.50% · 4.625%
HK$31,673
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,174/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,790
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,748
−HK$973/mo
Today · 4.125%
HK$32,721
baseline
▲ 0.50% · 4.625%
HK$34,712
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,442/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,253
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,172
−HK$932/mo
Today · 4.125%
HK$36,104
baseline
▲ 0.50% · 4.625%
HK$38,007
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,208/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,921
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,039
−HK$1,135/mo
Today · 4.125%
HK$38,174
baseline
▲ 0.50% · 4.625%
HK$40,497
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,348/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,962
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,034
−HK$1,087/mo
Today · 4.125%
HK$42,121
baseline
▲ 0.50% · 4.625%
HK$44,342
+HK$2,221/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$421,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,185
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,621
−HK$1,460/mo
Today · 4.125%
HK$49,081
baseline
▲ 0.50% · 4.625%
HK$52,067
+HK$2,986/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,162/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,380
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,758
−HK$1,398/mo
Today · 4.125%
HK$54,156
baseline
▲ 0.50% · 4.625%
HK$57,011
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,312/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,963 · Scale 2, in force from 26 Feb 2026)