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$25,654
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,452
−HK$811/mo
Today · 4.125%
HK$27,263
baseline
▲ 0.50% · 4.625%
HK$28,922
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,526/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,540
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,305
−HK$777/mo
Today · 4.125%
HK$30,082
baseline
▲ 0.50% · 4.625%
HK$31,668
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,164/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,785
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,743
−HK$972/mo
Today · 4.125%
HK$32,715
baseline
▲ 0.50% · 4.625%
HK$34,706
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,430/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,248
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,166
−HK$932/mo
Today · 4.125%
HK$36,098
baseline
▲ 0.50% · 4.625%
HK$38,001
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,196/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,916
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,033
−HK$1,135/mo
Today · 4.125%
HK$38,168
baseline
▲ 0.50% · 4.625%
HK$40,490
+HK$2,322/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,336/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,956
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,028
−HK$1,087/mo
Today · 4.125%
HK$42,115
baseline
▲ 0.50% · 4.625%
HK$44,335
+HK$2,220/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,230/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,177
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,614
−HK$1,459/mo
Today · 4.125%
HK$49,073
baseline
▲ 0.50% · 4.625%
HK$52,059
+HK$2,986/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,146/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,372
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,750
−HK$1,397/mo
Today · 4.125%
HK$54,147
baseline
▲ 0.50% · 4.625%
HK$57,002
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,294/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,896 · Scale 2, in force from 26 Feb 2026)