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$25,642
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,440
−HK$810/mo
Today · 4.125%
HK$27,250
baseline
▲ 0.50% · 4.625%
HK$28,908
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,500/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,527
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,292
−HK$776/mo
Today · 4.125%
HK$30,068
baseline
▲ 0.50% · 4.625%
HK$31,653
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,136/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,771
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,728
−HK$972/mo
Today · 4.125%
HK$32,700
baseline
▲ 0.50% · 4.625%
HK$34,690
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,400/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,232
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,150
−HK$931/mo
Today · 4.125%
HK$36,081
baseline
▲ 0.50% · 4.625%
HK$37,983
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,162/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,899
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,016
−HK$1,134/mo
Today · 4.125%
HK$38,150
baseline
▲ 0.50% · 4.625%
HK$40,472
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,300/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,937
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,008
−HK$1,087/mo
Today · 4.125%
HK$42,095
baseline
▲ 0.50% · 4.625%
HK$44,314
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,190/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,156
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,592
−HK$1,458/mo
Today · 4.125%
HK$49,050
baseline
▲ 0.50% · 4.625%
HK$52,035
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,100/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,348
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,725
−HK$1,397/mo
Today · 4.125%
HK$54,122
baseline
▲ 0.50% · 4.625%
HK$56,975
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,244/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,699 · Scale 2, in force from 26 Feb 2026)