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$25,643
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,441
−HK$810/mo
Today · 4.125%
HK$27,251
baseline
▲ 0.50% · 4.625%
HK$28,910
+HK$1,659/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,502/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,528
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,293
−HK$776/mo
Today · 4.125%
HK$30,069
baseline
▲ 0.50% · 4.625%
HK$31,654
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,138/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,772
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,729
−HK$973/mo
Today · 4.125%
HK$32,702
baseline
▲ 0.50% · 4.625%
HK$34,692
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,404/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,234
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,152
−HK$931/mo
Today · 4.125%
HK$36,083
baseline
▲ 0.50% · 4.625%
HK$37,985
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,166/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,901
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,017
−HK$1,135/mo
Today · 4.125%
HK$38,152
baseline
▲ 0.50% · 4.625%
HK$40,473
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,304/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,939
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,010
−HK$1,087/mo
Today · 4.125%
HK$42,097
baseline
▲ 0.50% · 4.625%
HK$44,316
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,194/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,158
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,594
−HK$1,459/mo
Today · 4.125%
HK$49,053
baseline
▲ 0.50% · 4.625%
HK$52,037
+HK$2,984/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,106/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,350
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,728
−HK$1,397/mo
Today · 4.125%
HK$54,125
baseline
▲ 0.50% · 4.625%
HK$56,978
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,250/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,719 · Scale 2, in force from 26 Feb 2026)