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$25,675
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,474
−HK$811/mo
Today · 4.125%
HK$27,285
baseline
▲ 0.50% · 4.625%
HK$28,945
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,570/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,563
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,329
−HK$777/mo
Today · 4.125%
HK$30,106
baseline
▲ 0.50% · 4.625%
HK$31,693
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,212/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,810
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,768
−HK$974/mo
Today · 4.125%
HK$32,742
baseline
▲ 0.50% · 4.625%
HK$34,734
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$65,484/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,276
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,195
−HK$933/mo
Today · 4.125%
HK$36,128
baseline
▲ 0.50% · 4.625%
HK$38,032
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$72,256/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,945
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,063
−HK$1,136/mo
Today · 4.125%
HK$38,199
baseline
▲ 0.50% · 4.625%
HK$40,524
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,398/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,989
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,061
−HK$1,088/mo
Today · 4.125%
HK$42,149
baseline
▲ 0.50% · 4.625%
HK$44,371
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,298/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,215
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,653
−HK$1,460/mo
Today · 4.125%
HK$49,113
baseline
▲ 0.50% · 4.625%
HK$52,102
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,226/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,414
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,793
−HK$1,399/mo
Today · 4.125%
HK$54,192
baseline
▲ 0.50% · 4.625%
HK$57,048
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,384/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,241 · Scale 2, in force from 26 Feb 2026)