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$25,657
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,455
−HK$811/mo
Today · 4.125%
HK$27,266
baseline
▲ 0.50% · 4.625%
HK$28,925
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,532/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,543
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,309
−HK$776/mo
Today · 4.125%
HK$30,085
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,170/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,788
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,746
−HK$973/mo
Today · 4.125%
HK$32,719
baseline
▲ 0.50% · 4.625%
HK$34,710
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,438/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,252
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,170
−HK$932/mo
Today · 4.125%
HK$36,102
baseline
▲ 0.50% · 4.625%
HK$38,005
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,204/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,920
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,037
−HK$1,135/mo
Today · 4.125%
HK$38,172
baseline
▲ 0.50% · 4.625%
HK$40,495
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,344/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,960
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,032
−HK$1,087/mo
Today · 4.125%
HK$42,119
baseline
▲ 0.50% · 4.625%
HK$44,339
+HK$2,220/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,238/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,182
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,619
−HK$1,459/mo
Today · 4.125%
HK$49,078
baseline
▲ 0.50% · 4.625%
HK$52,065
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,156/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,377
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,755
−HK$1,398/mo
Today · 4.125%
HK$54,153
baseline
▲ 0.50% · 4.625%
HK$57,008
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,306/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,941 · Scale 2, in force from 26 Feb 2026)