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$25,633
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,430
−HK$810/mo
Today · 4.125%
HK$27,240
baseline
▲ 0.50% · 4.625%
HK$28,898
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,480/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,516
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,281
−HK$776/mo
Today · 4.125%
HK$30,057
baseline
▲ 0.50% · 4.625%
HK$31,641
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,114/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,759
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,716
−HK$972/mo
Today · 4.125%
HK$32,688
baseline
▲ 0.50% · 4.625%
HK$34,677
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,376/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,220
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,137
−HK$931/mo
Today · 4.125%
HK$36,068
baseline
▲ 0.50% · 4.625%
HK$37,970
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,136/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,886
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,002
−HK$1,134/mo
Today · 4.125%
HK$38,136
baseline
▲ 0.50% · 4.625%
HK$40,457
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,272/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,923
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,994
−HK$1,086/mo
Today · 4.125%
HK$42,080
baseline
▲ 0.50% · 4.625%
HK$44,298
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,160/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,139
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,574
−HK$1,458/mo
Today · 4.125%
HK$49,032
baseline
▲ 0.50% · 4.625%
HK$52,016
+HK$2,984/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,064/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,329
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,706
−HK$1,396/mo
Today · 4.125%
HK$54,102
baseline
▲ 0.50% · 4.625%
HK$56,954
+HK$2,852/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,204/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,546 · Scale 2, in force from 26 Feb 2026)