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$25,660
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,458
−HK$811/mo
Today · 4.125%
HK$27,269
baseline
▲ 0.50% · 4.625%
HK$28,929
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,538/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,547
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,312
−HK$777/mo
Today · 4.125%
HK$30,089
baseline
▲ 0.50% · 4.625%
HK$31,675
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,178/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,792
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,750
−HK$973/mo
Today · 4.125%
HK$32,723
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,446/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,256
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,175
−HK$932/mo
Today · 4.125%
HK$36,107
baseline
▲ 0.50% · 4.625%
HK$38,010
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,214/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,924
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,042
−HK$1,135/mo
Today · 4.125%
HK$38,177
baseline
▲ 0.50% · 4.625%
HK$40,500
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,354/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,966
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,037
−HK$1,088/mo
Today · 4.125%
HK$42,125
baseline
▲ 0.50% · 4.625%
HK$44,345
+HK$2,220/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,250/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,188
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,625
−HK$1,460/mo
Today · 4.125%
HK$49,085
baseline
▲ 0.50% · 4.625%
HK$52,072
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,170/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,384
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,762
−HK$1,398/mo
Today · 4.125%
HK$54,160
baseline
▲ 0.50% · 4.625%
HK$57,015
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,320/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,997 · Scale 2, in force from 26 Feb 2026)