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$25,624
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,422
−HK$809/mo
Today · 4.125%
HK$27,231
baseline
▲ 0.50% · 4.625%
HK$28,888
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,462/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,507
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,272
−HK$775/mo
Today · 4.125%
HK$30,047
baseline
▲ 0.50% · 4.625%
HK$31,631
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,094/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,749
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,706
−HK$972/mo
Today · 4.125%
HK$32,678
baseline
▲ 0.50% · 4.625%
HK$34,666
+HK$1,988/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,356/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,208
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,126
−HK$931/mo
Today · 4.125%
HK$36,057
baseline
▲ 0.50% · 4.625%
HK$37,957
+HK$1,900/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,114/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,874
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,990
−HK$1,134/mo
Today · 4.125%
HK$38,124
baseline
▲ 0.50% · 4.625%
HK$40,444
+HK$2,320/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,248/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,910
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,980
−HK$1,086/mo
Today · 4.125%
HK$42,066
baseline
▲ 0.50% · 4.625%
HK$44,283
+HK$2,217/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,132/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,124
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,559
−HK$1,457/mo
Today · 4.125%
HK$49,016
baseline
▲ 0.50% · 4.625%
HK$51,999
+HK$2,983/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$98,032/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,313
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,689
−HK$1,396/mo
Today · 4.125%
HK$54,085
baseline
▲ 0.50% · 4.625%
HK$56,936
+HK$2,851/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,170/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,408 · Scale 2, in force from 26 Feb 2026)