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$25,650
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,448
−HK$810/mo
Today · 4.125%
HK$27,258
baseline
▲ 0.50% · 4.625%
HK$28,917
+HK$1,659/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,516/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,535
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,300
−HK$777/mo
Today · 4.125%
HK$30,077
baseline
▲ 0.50% · 4.625%
HK$31,662
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,154/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,780
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,737
−HK$973/mo
Today · 4.125%
HK$32,710
baseline
▲ 0.50% · 4.625%
HK$34,700
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,420/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,242
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,160
−HK$932/mo
Today · 4.125%
HK$36,092
baseline
▲ 0.50% · 4.625%
HK$37,995
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,184/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,910
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,027
−HK$1,134/mo
Today · 4.125%
HK$38,161
baseline
▲ 0.50% · 4.625%
HK$40,483
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,322/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,949
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,020
−HK$1,087/mo
Today · 4.125%
HK$42,107
baseline
▲ 0.50% · 4.625%
HK$44,327
+HK$2,220/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,214/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,170
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,606
−HK$1,459/mo
Today · 4.125%
HK$49,065
baseline
▲ 0.50% · 4.625%
HK$52,050
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,130/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,363
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,741
−HK$1,397/mo
Today · 4.125%
HK$54,138
baseline
▲ 0.50% · 4.625%
HK$56,992
+HK$2,854/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,276/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,823 · Scale 2, in force from 26 Feb 2026)