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$25,669
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,468
−HK$811/mo
Today · 4.125%
HK$27,279
baseline
▲ 0.50% · 4.625%
HK$28,939
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,558/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,557
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,322
−HK$777/mo
Today · 4.125%
HK$30,099
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,198/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,803
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,761
−HK$974/mo
Today · 4.125%
HK$32,735
baseline
▲ 0.50% · 4.625%
HK$34,726
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,470/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,268
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,187
−HK$932/mo
Today · 4.125%
HK$36,119
baseline
▲ 0.50% · 4.625%
HK$38,023
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,238/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,937
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,055
−HK$1,135/mo
Today · 4.125%
HK$38,190
baseline
▲ 0.50% · 4.625%
HK$40,514
+HK$2,324/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,380/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,979
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,051
−HK$1,088/mo
Today · 4.125%
HK$42,139
baseline
▲ 0.50% · 4.625%
HK$44,360
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,278/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,204
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,642
−HK$1,460/mo
Today · 4.125%
HK$49,102
baseline
▲ 0.50% · 4.625%
HK$52,089
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,204/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,402
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,780
−HK$1,399/mo
Today · 4.125%
HK$54,179
baseline
▲ 0.50% · 4.625%
HK$57,035
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,358/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,142 · Scale 2, in force from 26 Feb 2026)