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$25,679
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,478
−HK$811/mo
Today · 4.125%
HK$27,289
baseline
▲ 0.50% · 4.625%
HK$28,950
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,578/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,567
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,334
−HK$777/mo
Today · 4.125%
HK$30,111
baseline
▲ 0.50% · 4.625%
HK$31,698
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,222/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,815
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,773
−HK$974/mo
Today · 4.125%
HK$32,747
baseline
▲ 0.50% · 4.625%
HK$34,740
+HK$1,993/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$65,494/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,281
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,200
−HK$933/mo
Today · 4.125%
HK$36,133
baseline
▲ 0.50% · 4.625%
HK$38,038
+HK$1,905/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$72,266/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,950
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,069
−HK$1,136/mo
Today · 4.125%
HK$38,205
baseline
▲ 0.50% · 4.625%
HK$40,529
+HK$2,324/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,410/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,994
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,067
−HK$1,088/mo
Today · 4.125%
HK$42,155
baseline
▲ 0.50% · 4.625%
HK$44,377
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,310/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,222
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,660
−HK$1,460/mo
Today · 4.125%
HK$49,120
baseline
▲ 0.50% · 4.625%
HK$52,109
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,240/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,421
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,801
−HK$1,399/mo
Today · 4.125%
HK$54,200
baseline
▲ 0.50% · 4.625%
HK$57,057
+HK$2,857/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,400/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,303 · Scale 2, in force from 26 Feb 2026)