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$25,639
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,437
−HK$810/mo
Today · 4.125%
HK$27,247
baseline
▲ 0.50% · 4.625%
HK$28,905
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,494/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,523
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,288
−HK$776/mo
Today · 4.125%
HK$30,064
baseline
▲ 0.50% · 4.625%
HK$31,649
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,128/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,767
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,724
−HK$973/mo
Today · 4.125%
HK$32,697
baseline
▲ 0.50% · 4.625%
HK$34,686
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,394/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,228
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,146
−HK$931/mo
Today · 4.125%
HK$36,077
baseline
▲ 0.50% · 4.625%
HK$37,979
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,154/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,895
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,012
−HK$1,134/mo
Today · 4.125%
HK$38,146
baseline
▲ 0.50% · 4.625%
HK$40,467
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,292/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,933
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,004
−HK$1,086/mo
Today · 4.125%
HK$42,090
baseline
▲ 0.50% · 4.625%
HK$44,309
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,180/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,151
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,586
−HK$1,459/mo
Today · 4.125%
HK$49,045
baseline
▲ 0.50% · 4.625%
HK$52,029
+HK$2,984/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,090/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,342
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,719
−HK$1,397/mo
Today · 4.125%
HK$54,116
baseline
▲ 0.50% · 4.625%
HK$56,969
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,232/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,652 · Scale 2, in force from 26 Feb 2026)