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$25,676
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,475
−HK$811/mo
Today · 4.125%
HK$27,286
baseline
▲ 0.50% · 4.625%
HK$28,947
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,572/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,565
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,331
−HK$777/mo
Today · 4.125%
HK$30,108
baseline
▲ 0.50% · 4.625%
HK$31,695
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,216/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,812
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,770
−HK$974/mo
Today · 4.125%
HK$32,744
baseline
▲ 0.50% · 4.625%
HK$34,736
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$65,488/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,278
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,197
−HK$933/mo
Today · 4.125%
HK$36,130
baseline
▲ 0.50% · 4.625%
HK$38,034
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$72,260/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,947
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,065
−HK$1,136/mo
Today · 4.125%
HK$38,201
baseline
▲ 0.50% · 4.625%
HK$40,526
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,402/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,991
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,063
−HK$1,088/mo
Today · 4.125%
HK$42,151
baseline
▲ 0.50% · 4.625%
HK$44,373
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,302/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,217
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,655
−HK$1,461/mo
Today · 4.125%
HK$49,116
baseline
▲ 0.50% · 4.625%
HK$52,104
+HK$2,988/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,232/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,416
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,795
−HK$1,399/mo
Today · 4.125%
HK$54,194
baseline
▲ 0.50% · 4.625%
HK$57,051
+HK$2,857/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,388/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,261 · Scale 2, in force from 26 Feb 2026)