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$25,644
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,442
−HK$810/mo
Today · 4.125%
HK$27,252
baseline
▲ 0.50% · 4.625%
HK$28,911
+HK$1,659/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,504/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,529
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,294
−HK$776/mo
Today · 4.125%
HK$30,070
baseline
▲ 0.50% · 4.625%
HK$31,655
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,140/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,773
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,730
−HK$973/mo
Today · 4.125%
HK$32,703
baseline
▲ 0.50% · 4.625%
HK$34,693
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,406/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,235
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,153
−HK$931/mo
Today · 4.125%
HK$36,084
baseline
▲ 0.50% · 4.625%
HK$37,986
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,168/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,902
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,019
−HK$1,134/mo
Today · 4.125%
HK$38,153
baseline
▲ 0.50% · 4.625%
HK$40,475
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,306/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,940
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,012
−HK$1,086/mo
Today · 4.125%
HK$42,098
baseline
▲ 0.50% · 4.625%
HK$44,317
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,196/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,160
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,595
−HK$1,459/mo
Today · 4.125%
HK$49,054
baseline
▲ 0.50% · 4.625%
HK$52,039
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,108/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,352
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,729
−HK$1,397/mo
Today · 4.125%
HK$54,126
baseline
▲ 0.50% · 4.625%
HK$56,979
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,252/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,732 · Scale 2, in force from 26 Feb 2026)