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$25,637
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,434
−HK$810/mo
Today · 4.125%
HK$27,244
baseline
▲ 0.50% · 4.625%
HK$28,902
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,488/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,520
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,285
−HK$776/mo
Today · 4.125%
HK$30,061
baseline
▲ 0.50% · 4.625%
HK$31,646
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,122/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,764
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,721
−HK$972/mo
Today · 4.125%
HK$32,693
baseline
▲ 0.50% · 4.625%
HK$34,682
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,386/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,225
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,142
−HK$932/mo
Today · 4.125%
HK$36,074
baseline
▲ 0.50% · 4.625%
HK$37,975
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,148/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,891
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,008
−HK$1,134/mo
Today · 4.125%
HK$38,142
baseline
▲ 0.50% · 4.625%
HK$40,463
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,284/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,929
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,000
−HK$1,086/mo
Today · 4.125%
HK$42,086
baseline
▲ 0.50% · 4.625%
HK$44,304
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,172/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,146
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,581
−HK$1,459/mo
Today · 4.125%
HK$49,040
baseline
▲ 0.50% · 4.625%
HK$52,024
+HK$2,984/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,080/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,337
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,714
−HK$1,396/mo
Today · 4.125%
HK$54,110
baseline
▲ 0.50% · 4.625%
HK$56,963
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,220/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,608 · Scale 2, in force from 26 Feb 2026)