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$25,633
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,431
−HK$810/mo
Today · 4.125%
HK$27,241
baseline
▲ 0.50% · 4.625%
HK$28,898
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,482/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,517
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,282
−HK$775/mo
Today · 4.125%
HK$30,057
baseline
▲ 0.50% · 4.625%
HK$31,642
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,114/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,760
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,717
−HK$972/mo
Today · 4.125%
HK$32,689
baseline
▲ 0.50% · 4.625%
HK$34,678
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,378/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,220
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,138
−HK$931/mo
Today · 4.125%
HK$36,069
baseline
▲ 0.50% · 4.625%
HK$37,970
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,138/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,887
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,003
−HK$1,134/mo
Today · 4.125%
HK$38,137
baseline
▲ 0.50% · 4.625%
HK$40,457
+HK$2,320/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,274/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,923
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,994
−HK$1,086/mo
Today · 4.125%
HK$42,080
baseline
▲ 0.50% · 4.625%
HK$44,298
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,160/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,140
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,575
−HK$1,458/mo
Today · 4.125%
HK$49,033
baseline
▲ 0.50% · 4.625%
HK$52,017
+HK$2,984/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,066/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,330
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,707
−HK$1,396/mo
Today · 4.125%
HK$54,103
baseline
▲ 0.50% · 4.625%
HK$56,955
+HK$2,852/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,206/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,552 · Scale 2, in force from 26 Feb 2026)