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$25,632
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,430
−HK$810/mo
Today · 4.125%
HK$27,240
baseline
▲ 0.50% · 4.625%
HK$28,897
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,480/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,516
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,281
−HK$775/mo
Today · 4.125%
HK$30,056
baseline
▲ 0.50% · 4.625%
HK$31,641
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,112/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,759
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,716
−HK$972/mo
Today · 4.125%
HK$32,688
baseline
▲ 0.50% · 4.625%
HK$34,677
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,376/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,219
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,137
−HK$931/mo
Today · 4.125%
HK$36,068
baseline
▲ 0.50% · 4.625%
HK$37,969
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,136/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,885
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,002
−HK$1,134/mo
Today · 4.125%
HK$38,136
baseline
▲ 0.50% · 4.625%
HK$40,456
+HK$2,320/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,272/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,922
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,993
−HK$1,086/mo
Today · 4.125%
HK$42,079
baseline
▲ 0.50% · 4.625%
HK$44,297
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,158/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,138
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,574
−HK$1,458/mo
Today · 4.125%
HK$49,032
baseline
▲ 0.50% · 4.625%
HK$52,015
+HK$2,983/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,064/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,329
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,705
−HK$1,397/mo
Today · 4.125%
HK$54,102
baseline
▲ 0.50% · 4.625%
HK$56,953
+HK$2,851/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,204/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,540 · Scale 2, in force from 26 Feb 2026)