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$25,666
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$811/mo
Today · 4.125%
HK$27,275
baseline
▲ 0.50% · 4.625%
HK$28,935
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,550/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,553
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,319
−HK$777/mo
Today · 4.125%
HK$30,096
baseline
▲ 0.50% · 4.625%
HK$31,682
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,192/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,799
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,757
−HK$973/mo
Today · 4.125%
HK$32,730
baseline
▲ 0.50% · 4.625%
HK$34,722
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,460/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,264
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,182
−HK$933/mo
Today · 4.125%
HK$36,115
baseline
▲ 0.50% · 4.625%
HK$38,018
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,230/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,932
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,050
−HK$1,135/mo
Today · 4.125%
HK$38,185
baseline
▲ 0.50% · 4.625%
HK$40,509
+HK$2,324/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,370/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,974
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,046
−HK$1,088/mo
Today · 4.125%
HK$42,134
baseline
▲ 0.50% · 4.625%
HK$44,355
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,268/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,198
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,635
−HK$1,461/mo
Today · 4.125%
HK$49,096
baseline
▲ 0.50% · 4.625%
HK$52,083
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,192/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,395
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,774
−HK$1,398/mo
Today · 4.125%
HK$54,172
baseline
▲ 0.50% · 4.625%
HK$57,028
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,344/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,088 · Scale 2, in force from 26 Feb 2026)