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$25,636
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,433
−HK$811/mo
Today · 4.125%
HK$27,244
baseline
▲ 0.50% · 4.625%
HK$28,901
+HK$1,657/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$421,597 · 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$31,645
+HK$1,584/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$421,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,763
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,720
−HK$972/mo
Today · 4.125%
HK$32,692
baseline
▲ 0.50% · 4.625%
HK$34,682
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,384/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,224
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,142
−HK$931/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$37,974
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,890
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,007
−HK$1,134/mo
Today · 4.125%
HK$38,141
baseline
▲ 0.50% · 4.625%
HK$40,462
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,282/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,928
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,998
−HK$1,087/mo
Today · 4.125%
HK$42,085
baseline
▲ 0.50% · 4.625%
HK$44,303
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,170/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,145
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,580
−HK$1,458/mo
Today · 4.125%
HK$49,038
baseline
▲ 0.50% · 4.625%
HK$52,022
+HK$2,984/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,076/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,336
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,712
−HK$1,397/mo
Today · 4.125%
HK$54,109
baseline
▲ 0.50% · 4.625%
HK$56,961
+HK$2,852/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,218/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,597 · Scale 2, in force from 26 Feb 2026)